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SWA Washington consumer credit sales and retail installment obligations

S_WA · pass-11Captured 2026-10-2818 tables · 81 claim records · 45 source recordsScoped coordinator review completed

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S_WA PASS-11 — Washington consumer credit sales and retail installment obligations

Actual public-source access: October 28, 2026, America/Los_Angeles. Component: Generic credit sales of ordinary personal-property goods, including material motor-vehicle distinctions. Evidence basis: Newly read Washington statutes, selected enacted originals, and operative administrative rules. Earlier Washington reports and supplied overlap metadata are scope context only.

1. Principal findings

Washington’s operative framework is chapter 63.14 RCW, Retail Installment Sales of Goods and Services. It expressly addresses motor-vehicle installment contracts; chapter 46.70 RCW adds vehicle-dealer requirements. A transaction’s substance, purpose, payment structure, and statutory exclusions matter. A sale, loan, revolving account, consumer lease, and lease-purchase agreement do not become interchangeable because each involves deferred payments. [C001–C010] app.leg.wa.gov+3

The current retail-installment service-charge provision uses the amount or rate agreed to and disclosed, rather than the historical numerical rate schedule. The former sunset was repealed. This does not establish unlimited authority to impose additional fees: the statute makes the service charge inclusive of specified origination and installment-privilege charges, with particular exceptions, and preserves separate requirements for delinquency charges, insurance, vehicle fees, and other provisions. [C025–C032, C076] app.leg.wa.gov+2

Three material limits remain expressly held:

  • Deferral charges: RCW 63.14.156 still incorporates obsolete rate subdivisions. The acknowledgment requirement, charge base, interval, and minimum-charge language can be reported; an exact current incorporated rate cannot be supplied from the read text alone.
  • Historical telephone-solicitation incorporation: RCW 63.14.154 names the 1989 enactment. Both that original definition and the materially amended current definition were read, but static versus dynamic incorporation remains unresolved.
  • Federal conditions: State provisions expressly referencing TILA or other federal law establish conditional state rules. This pass does not establish federal compliance, preemption, APR treatment, federal prepayment constraints, or federal holder-rule consequences. [C024, C038, C046, C067; B009, B012, B024]

The report below distinguishes textually established rules, conditional statutory consequences, and unresolved application or construction. It supplies no transaction classification, charge entitlement, payment instruction, cancellation decision, or actual remedy determination.

Identifier convention

Every shortened source reference below expands to S_WA-P11-S###; every shortened claim reference expands to S_WA-P11-C###. Quantity and branch identifiers use S_WA-P11-Q### and S_WA-P11-B### respectively. Source IDs are assigned by legal instrument or codified chapter, with exact section-level URL and reading maps; separate sections or formats are not represented as independent corroboration.

2. Material legal-category and authority comparisons

Category or authority Source-stated distinction Consequence and retained boundary
Covered retail installment transaction Service charge plus payment of unpaid principal in one or more installments; alternatively, no service charge and payment in more than four installments. Chapter 63.14 classification depends on its complete definitions, not the transaction’s label. C001–C006.
Ordinary goods versus business goods Chapter 63.14 goods and services definitions use primarily personal, family, or household purposes and exclude commercial/business use. Business, agricultural, mixed-purpose, and noncovered transactions require their own analysis. C001–C003; B001.
Closed-end contract versus revolving agreement A retail installment contract excludes retail charge and lender-card agreements; those arrangements have separate disclosure and charge provisions. A revolving-account minimum charge or delinquency formula cannot automatically be transferred to a closed-end vehicle contract. C005, C020, C027–C029.
Credit sale versus loan RCW 19.52.100 excludes qualifying chapter 63.14 transactions from the usury chapter; .120 separately addresses deferred-payment sales despite specified financing participation. These are statutory exclusions for qualifying transactions, not a general exclusion for every loan used to buy goods. C010; B002.
Lease-shaped sale versus consumer lease Chapter 63.14 includes certain ownership-oriented bailments/leases but expressly excludes specified consumer leases and lease-purchase agreements. Ownership terms, duration, purpose, and cross-referenced exclusions must be resolved; residual-value language alone does not settle classification. C006–C008.
Motor-vehicle credit sale Chapter 63.14 applies its express vehicle clauses alongside relevant chapter 46.70 requirements. Vehicle-specific itemization, documentary-fee, conditional-acceptance, and cancellation provisions supplement the generic framework. C022–C023, C031–C035, C045–C051.
Financial-institution card RCW 63.14.165 excludes the defined card arrangement from most of chapter 63.14, while retaining .167 and referring to chapter 19.52. This is not a blanket exemption for every assigned retail contract held by a financial institution. C009–C011.
GAP waiver Chapter 48.160 has its own definitions, exclusions, disclosures, assignment, and conditional refund rules. Inclusion of GAP cost in statutory sale-price categories does not eliminate the separate framework or establish federal finance-charge treatment. C065–C072.
Enacted statute RCW text supplies current codification; session laws establish material amendments, effective dates, and savings/application clauses. A latest-credit date is not the effective date of every clause. S001–S039.
Adopted administrative rule DOL and OIC rules supply the specifically identified requirements within their statutory authority. A proposed or withdrawn rule is not an operative amendment. C073–C074, C081.
Judicial construction No cases, opinions, dockets, or party records were investigated. Ambiguous incorporation, standards such as reasonableness, and actual application remain held. Branch register.

3. Atomic consequential claim register

Confidence convention: “Text verified” means the stated public-law text was read and supports the bounded assertion. It does not establish that its factual predicates exist. “Held” identifies a construction, incorporation, historical, or external-law dependency.

A. Scope, definitions, and classification

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C001 Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services. S001 .010(2), (16); S021 §1152. Text verified. app.leg.wa.gov
S_WA-P11-C002 “Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers. S001 .010(6), (9), (13). Text verified; purpose remains indispensable.
S_WA-P11-C003 The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions. S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion.
S_WA-P11-C004 A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments. S001 .010(12); S018 §1. Text verified. app.leg.wa.gov
S_WA-P11-C005 A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default. S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded.
S_WA-P11-C006 A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements. S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous.
S_WA-P11-C007 The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material. S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. app.leg.wa.gov
S_WA-P11-C008 Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2). S004 .010 and .020, complete. Full rental-purchase obligations excluded. app.leg.wa.gov
S_WA-P11-C009 Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property. S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. app.leg.wa.gov
S_WA-P11-C010 RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services. S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. app.leg.wa.gov
S_WA-P11-C011 Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here. S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held.
S_WA-P11-C012 Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications. S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. app.leg.wa.gov+1

Vehicle-actor scope qualification

For the vehicle findings below, RCW 46.70.011(9), (16)–(18) supplies the motor-vehicle, vehicle, and dealer definitions. Dealer exclusions include specified court-appointed actors, public officers, employees acting in their duties, isolated owner sales, specified agricultural/industrial equipment sellers, qualified real-estate activity involving manufactured/mobile homes, construction-equipment operators, qualifying financial institutions, regular lease/contract assignees, and the narrowly conditioned manufactured-housing category in (18)(j). These exclusions are activity-specific; they do not establish an exemption from chapter 63.14 itself. Incorporated title, equipment, housing, and licensing predicates remain dependencies. S005 .011, complete; S031 §1; B003, B027. app.leg.wa.gov

B. Agreement creation, contents, delivery, and records

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C013 A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so. S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. app.leg.wa.gov
S_WA-P11-C014 The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information. S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held.
S_WA-P11-C015 The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement. S001 .030, complete. Text verified; this is not a general declaration that the transaction is void.
S_WA-P11-C016 The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification. S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. app.leg.wa.gov
S_WA-P11-C017 The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events. S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value.
S_WA-P11-C018 The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services. S001 .060, complete. It is not a blanket remote-sale exemption.
S_WA-P11-C019 A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due. S001 .050; .110(1), complete. app.leg.wa.gov
S_WA-P11-C020 Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice. S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. app.leg.wa.gov
S_WA-P11-C021 Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each. S001 .100, complete. No response-day deadline was supplied by this section.
S_WA-P11-C022 For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents. S005 .130(1)–(2), complete. No title application or transaction document examined.
S_WA-P11-C023 Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement. S005 .120, complete; S027 §1. Q031 gives exact periods.
S_WA-P11-C024 Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule. S001 .151, complete. Federal incorporation held.

C. Service charges, additional charges, insurance, and vehicle fees

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C025 The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate. S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. app.leg.wa.gov
S_WA-P11-C026 The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees. S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it.
S_WA-P11-C027 For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1. S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge.
S_WA-P11-C028 Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee. S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. app.leg.wa.gov
S_WA-P11-C029 The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2. S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap.
S_WA-P11-C030 Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty. S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. app.leg.wa.gov
S_WA-P11-C031 A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required. S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. app.leg.wa.gov
S_WA-P11-C032 The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material. S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded.
S_WA-P11-C033 A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence. S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. app.leg.wa.gov
S_WA-P11-C034 The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications. S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding.
S_WA-P11-C035 A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted for consideration by an applied-to lender, except lenders both licensed and regulated under chapter 31.04. S001 .043(1), complete. This is not mandatory credit approval or proof of conformity.

D. Payments, prepayment, deferral, default, and cancellation

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C036 Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit. S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. app.leg.wa.gov
S_WA-P11-C037 The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge. S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009.
S_WA-P11-C038 An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140. S001 .156, complete; S019 §§8, 13; S016. Exact current incorporated cap held. app.leg.wa.gov
S_WA-P11-C039 Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit without minimum-earned retention; the rate refers to .130. Consolidation invokes .110. S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. app.leg.wa.gov
S_WA-P11-C040 When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains. S001 .159, complete. No numerical substitute for “substantially greater.”
S_WA-P11-C041 Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material. S001 .110(2)(a)–(c), including final exception. Q024. app.leg.wa.gov
S_WA-P11-C042 When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits. S001 .167(1)–(4), complete. This does not create a general right to return goods. app.leg.wa.gov
S_WA-P11-C043 For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition. S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046.
S_WA-P11-C044 Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed. S001 .154(2), complete. Not a rule for every cancellation or prepayment. app.leg.wa.gov
S_WA-P11-C045 Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer. S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds.
S_WA-P11-C046 The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved. S036 §3, §18; S037 .020. Construction held, not a universal telephone-sale right.
S_WA-P11-C047 For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return. S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028.
S_WA-P11-C048 Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule. S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. app.leg.wa.gov
S_WA-P11-C049 The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications. S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here.
S_WA-P11-C050 Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery. S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held.
S_WA-P11-C051 The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate. S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference.
S_WA-P11-C052 For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party. S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established.

E. Assignee, nonwaiver, and remedy boundaries

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C053 A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section. S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. app.leg.wa.gov
S_WA-P11-C054 A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies. S001 .160, complete. No broader post-dispute waiver conclusion supplied.
S_WA-P11-C055 On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable. S001 .136; S017 §4, complete. No actual unconscionability finding.
S_WA-P11-C056 Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery. S001 .180 first sentence, complete. This is not automatic erasure of every obligation. app.leg.wa.gov
S_WA-P11-C057 Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata. S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion.
S_WA-P11-C058 The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses. S001 .175, .922; S018 §§3–5. Full historical judicial construction held.
S_WA-P11-C059 The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced. S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. app.leg.wa.gov
S_WA-P11-C060 Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence. S001 .170, complete. General criminal classification/sentencing incorporation not completed; Q035 reports section text, not an exhaustive current sentencing conclusion.
S_WA-P11-C061 The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence. S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement.
S_WA-P11-C062 Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court. S001 .210, complete. No automatic private award.
S_WA-P11-C063 RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision. S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. app.leg.wa.gov
S_WA-P11-C064 Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch. S005 .270, .310, .180(5). Full CPA and criminal regimes held.

F. Ancillary GAP protection and currentness

Claim ID Precise assertion, conditions, and exceptions Sources and exact pinpoints; confidence
S_WA-P11-C065 Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers. S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. app.leg.wa.gov
S_WA-P11-C066 A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness. S010 .010, complete. It is not a blanket insurance or retail-sale classification.
S_WA-P11-C067 GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance. S010 .030(1)–(6), complete. Federal classification held. app.leg.wa.gov
S_WA-P11-C068 GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status. S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement.
S_WA-P11-C069 The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally. S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established.
S_WA-P11-C070 Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination. S010 .060(1)–(2), complete. No universal automatic post-free-look refund. app.leg.wa.gov
S_WA-P11-C071 A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure. S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer.
S_WA-P11-C072 When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period. S012 -080, -090, complete; -020 definitions. Q019.
S_WA-P11-C073 The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn. S011; S040; S041. Proposal text not relied on as law.
S_WA-P11-C074 The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010. S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred.
S_WA-P11-C075 The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction. S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here.
S_WA-P11-C076 The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions. S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings.
S_WA-P11-C077 The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022. S022 §§2–3 and certified header; S024 §211(2), §511.
S_WA-P11-C078 Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029. S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred.
S_WA-P11-C079 The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed. S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204.
S_WA-P11-C080 Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change. S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding.
S_WA-P11-C081 DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling. S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. app.leg.wa.gov

4. Quantity, formula, event, and counting register

These are source-stated legal relations, not populated examples. Monetary quantities are statutory dollars. No financial input or calendar date has been substituted.

Symbols used only to express statutory relations: SP = statutory sale price; DP = statutory downpayment; P = principal balance; SC = service charge; T = time balance; R = refund credit; B = the specified average account balance; PTB = statutory periodic time balance; A = amount being refinanced; I and O = qualifying additional insurance and official fees; Cj = original cash sale price of a consolidated purchase.

Quantity ID Exact relation, unit, event, and boundary Conditions, exceptions, counting/rounding limit Claim/source links
Q001 Service-charge branch: one or more installments. No-service-charge branch: more than four. Strict >4; not ≥4. C004; S001 .010(12).
Q002 Consumer lease: >4 months, generally obligation ≤$25,000. Dollar ceiling inapplicable to motor-vehicle consumer leases; complete exclusions apply. C007; S003 .020(4).
Q003 Lease-purchase initial term ≤4 months. Renewable beyond initial term; no initial obligation beyond it; automobile exclusion. C008; S004 .010–.020.
Q004 .040 sequence: SP − DP; then insurance, official fees, qualifying trade-in/terminated-lease discharge amount; statutory principal is the specified sum. .010(7), (14) additionally identify vehicle-fee and sale-price categories. No duplication or actual allocation is performed. Federal “amount financed” equivalence is held. C016; S001 .010(7), (14), .040(1)(a)–(g).
Q005 T = P + SC; .040(1)(i) requires the dollar time-balance sum when SC is stated in dollars. Statutory “rate” is the percentage applied to the outstanding balance for the month/installment period. This is not a verified federal APR formula. The prescribed notice refers to a per-annum rate computed monthly. C016, C025; S001 .010(8), (17), .040(1)(h)–(i), (2)(d).
Q006 Maximum number, installment amounts, and due dates are generally required. Equal-payment/final-payment exception uses “does not substantially exceed”; no numerical threshold. First date may reference contract/delivery/installation. C017; S001 .040(1)(j).
Q007 Contract text ≥8 point; copy acknowledgment and prescribed buyer notices ≥10-point boldface. Exact placement and scope differ; completion instructions excluded from eight-point rule. C014–C016, C020; S001 .020, .030, .040(2), .120(3).
Q008 Copy at signing; qualifying later-acceptance copy/memorandum mailed; remote-order memorandum before first installment, or before/with delivery when specified. Consolidation memorandum before first consolidated installment due. Different triggers; no single universal delivery clock. C015, C018–C019.
Q009 First requested account statement free; subsequent statements ≤$1 each. Written-request predicate; no section-stated day deadline. C021; S001 .100.
Q010 Revolving/charge/card computed monthly SC <$1 → $1 may be charged. Optional minimum in .130(2), not a general closed-end fee. C027.
Q011 Specified account B < $100; delinquency charge ordinarily ≤0.10 × B, with minimum up to $2 allowed. B is prior 30-day average; minimum payment received within 10 days following due date; subsection excludes payment >30 days overdue. No universal grace-period inference. C029; S001 .090(3), S020.
Q012 Included insurance amount ≤ insurer-fixed premium, except the text’s amount-<$1 qualification. Procurement document/notice within 45 days after delivery/services. No statutory rounding convention or automatic $1 insurance minimum inferred. C030; S001 .140.
Q013 Documentary fee ≤$200 per vehicle sale or lease. Optional, negotiable, disclosed before execution, separately designated; advertising qualification. No indexing provision relied on. C031; S005 .180(2), S024.
Q014 EMS fee $6.50; dealer share $2.50 of that fee. Specified title-application transactions and total-loss exception. No added-fee arithmetic or other title-fee calculation. C032; S006–S007.
Q015 Control presumption at ≥10% voting securities; complete disclaimer deemed granted unless disallowed within 30 days of receipt. Rebuttable control presumption; actual power and disclaimer/hearing qualifications retained. C034; S009 .005(3), .025(11).
Q016 GAP free look at least 30 days from effective date. Full refund within free look requires no benefits; otherwise terms govern. C066, C070; S010 .010, .060(1).
Q017 GAP assignment notice within 30 days of assignment; changed benefit-contact notice within 30 days of change. Mailing duty; rule specifies U.S. mail, electronic notice additionally. C069; S010 .030(9), S012 -070.
Q018 Conditional GAP refund request within 90 days of event terminating finance agreement. Written request and applicable waiver terms; not a universal payment deadline. C070; S010 .060(2).
Q019 GAP records retained for agreement duration plus 2 years after termination. Termination categories include expiration, cancellation, and provision of waiver benefits under the rule. C072; S012 -090.
Q020 Before provisos: R ≥ SC × [Σ PTB not yet due ÷ Σ all PTB]; earned charge E = SC − R. Minimum earned charge: $15 if P≤$250; $25 if $250<P≤$500; $37.50 if $500<P≤$1,000; $50 if P>$1,000. If computed E is below the applicable minimum, statute deems the minimum earned. Refund <$1 need not be made. PTB measured at last day of month/other uniform scheduled interval. Low-original-charge interaction and federal incorporation held; no zero floor, rounding, or negative-credit invention. C036–C037; S001 .080; S019 §5.
Q021 Deferral base = installment(s) or portion deferred; interval no longer than original due date to agreed deferred due date. Cap references obsolete rate subdivisions. Computed charge <$1 permits a $1 minimum, but this does not cure the unresolved rate incorporation. Additional continuation-insurance cost conditional. C038; S001 .156.
Q022 Refinance charge base: A + I + O − prepayment-equivalent R; minimum-earned retention excluded in that R. Written agreement; charge rate limited by .130; added insurance must satisfy .140; no amortization or amount computed. C039; S001 .158.
Q023 Triggering installment >2 × average preceding installments. Default on that installment; replacement installments not substantially greater without agreement; seasonal/irregular-income/employment exception. C040; S001 .159.
Q024 Ordinary consolidation allocation ratios follow Cj ÷ ΣCj. Prior payments go to earlier purchases; new downpayment goes to new purchase. Alternative allocates installment increase to new purchase and previous installment amount to prior balances; attached-goods/services exception. C041; S001 .110(2).
Q025 Seller transmits card credit within 7 working days of entitlement transaction; issuer credits within 3 working days following receipt. Notice at least once/calendar year, intervals 6–18 months inclusive. Separate actors/triggers. “Working day” not further defined in the read section. C042; S001 .167.
Q026 Qualifying cancellation notice posted not later than midnight of third day following signing, excluding Sundays and holidays. Posting, not a universal receipt rule. Motor-vehicle exclusion; goods condition; telephone-definition hold. No actual holiday/calendar calculation. C043, C045–C046; S001 .154.
Q027 Seller refunds deposits within 10 days after qualifying cancellation; trade-in reduction limited to reasonable costs actually incurred preparing it for sale. No additional cancellation liability under this section; general counting convention not supplied. C044; S001 .154(2).
Q028 Bushing period 4 calendar days, exclusive of Saturday, Sunday, legal holiday, and before further negotiations. Conditional/future-acceptance signed agreement; communication effective upon execution/mailing/sending under enumerated methods. C047–C049; S005 .180(4)(a), S025.
Q029 Excess additional mileage ≥500 miles between initial trade-in valuation and delivery. Separate title-brand, damage/defect, and discrepancy branches; no actual mileage or valuation. C050; S005 .180(4)(b).
Q030 Deposit-handling evidence includes failure to deposit by close of banking hours on day following receipt. Statutory trust-until-delivery duty, immediate handling provisions, and separate-trust alternative; not every failure automatically proves liability. C051; S005 .180(9).
Q031 Dealer records ≥5 years; paper generally 1 year before electronic alternative; paper older than 2 years may be offsite if produced within 3 calendar days excluding Saturdays, Sundays, legal holidays after director request. Electronic-origin alternative; regulatory request, not consumer access. C023; S005 .120; S027.
Q032 Vehicle financing/insurance/tax/other-charge itemization before execution/consummation. Seller-signed written itemization; title-application exception has limited scope. C022; S005 .130.
Q033 Declaratory-action cutoff: no later than the earlier of 6 months after final payment becomes due, acceleration or otherwise, and 6 months after principal is fully paid. Specific .152 action only; no actual accrual/date/counting conclusion; historical incorporation held. C059.
Q034 Excess-SC statutory recovery relation: 2 × SC paid + SC contracted but unpaid + costs + reasonable attorney fees. Accidental/bona-fide-error exception; resulting cash-price reduction pro rata to future principal installments; no stacking/award assumed. C057; S001 .180.
Q035 Section .170 text states fine ≤$1,000, imprisonment ≤6 months, or both. Willful/intentional violation and conviction; general criminal classification/sentencing remains unread and held. C060.
Q036 Civil order-violation penalty ≤$1,000. AG petition in issuing court; not a private automatic recovery. C062; S001 .210.
Q037 Section 46.70.190 action no later than 1 year following alleged violation. Specific statutory action; no extension, tolling, accrual construction, or filing date supplied. C063.
Q038 GAP single-payment or monthly/periodic option; refund may be applied to financed balance. No universal GAP price cap or universal refund formula established by the read consumer clauses. “Unknown cap” is not unlimited-charge permission. C067, C070–C071.
Q039 “Prompt,” “reasonable,” “substantially,” and good faith retain their statutory qualitative character. No invented fixed day count, percentage, or operational test. C017, C020, C028, C040, C052, C055.
Q040 Advertising a specified downpayment, payment, repayment period, finance charge, or no-charge credit triggers the complete listed companion disclosures. State-rule APR disclosure is not a rate cap; no APR calculation. Other advertising quantities were read but are outside the relied-on findings. C081; S011 -152(5)–(6).
Q041 WAC 284-160 defines days as calendar days including weekends/holidays and recognizes retrievable written/electronic records. Rule-chapter definitions are not automatically exported to every statutory clock or signature requirement. C069–C074; S012 -020.

General counting limitation: Except for the express exclusions or definitions above, no universal inclusive/exclusive start-day, end-day, holiday-extension, rounding, or time-zone rule is asserted. Material enactment dates and prospective boundaries are registered separately below.

5. Source and usage register

5.1 Current codified chapter 63.14 — S_WA-P11-S001

Issuer: Washington Legislature / Code Reviser. Instrument: Chapter 63.14 RCW, Retail Installment Sales of Goods and Services. Status/access: Public current codification read October 28, 2026. Each listed operative section was read in full, with displayed credits and notes; the chapter index was discovery only. Section .123 was not read or relied upon because its privacy subject is outside this component.

The table records the latest displayed credit and material earlier credits used for this pass; it does not claim that every historical amending act was independently read.

Exact section / use Literal HTTPS URL Displayed credit / reading qualification
.010 definitions https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010 2010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read.
.020 document, note, signature https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020 1967 c234 §1; 1963 c236 §2. Complete.
.030 copy https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030 2012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3.
.040 contents/notices https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040 2021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated.
.043 vehicle contracts/products https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043 2020 c174 §2; 2006 c288 §1.
.050 multipurchase documents https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050 1963 c236 §5.
.060 mail/telephone orders https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060 2012 c117 §168; 1967 c234 §4; 1963 c236 §6.
.070 blanks https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070 1963 c236 §7.
.080 prepayment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080 2012 c117 §169; 1967 c234 §5; 1963 c236 §8.
.090 delinquency/collection https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090 1993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections.
.100 receipts/statements https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100 1963 c236 §10.
.110 consolidation https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110 2012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11.
.120 revolving/card information https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120 1984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions.
.125 card security restriction https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125 1984 c280 §4.
.127 dog/cat collateral https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127 2019 c340 §2.
.130 service charges https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130 2010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read.
.136 unconscionability https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136 1995 c249 §4; renumbering note read.
.140 insurance https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140 2012 c117 §171; 1984 c280 §6; 1963 c236 §14.
.145 assignment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145 1993 sp.s. c5 §2.
.150 claims/defenses/venue waiver https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150 2012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15.
.151 federal disclosure condition https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151 1984 c280 §8; 1981 c77 §9. Federal body not read.
.152 declaratory action https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152 2012 c117 §173; 1967 c234 §11.
.154 cancellation https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154 2021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12.
.156 deferral https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156 1967 c234 §13; complete erroneous-reference note read.
.158 refinancing https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158 2012 c117 §175; 1967 c234 §14.
.159 oversized installment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159 1967 c234 §15.
.160 nonwaiver https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160 1984 c280 §9; 1963 c236 §16.
.165 financial-institution cards https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165 1984 c280 §10; 1981 c77 §10.
.167 card credits https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167 1989 c11 §24; 1984 c280 §11.
.170 criminal text https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170 1963 c236 §17; general sentencing incorporation held.
.175 1993 remedial application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175 1993 sp.s. c5 §3.
.180 civil recovery https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180 1984 c280 §12; 1967 c234 §10; 1963 c236 §18.
.190 injunction https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190 1963 c236 §19.
.200 assurance https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200 2012 c117 §176; 1963 c236 §20.
.210 order penalty https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210 1963 c236 §21.
.220 dog/cat purchases https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220 2023 c208 §5.
.903 1981 application/saving https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903 1981 c77 §13. Current clause read; original act not fully read.
.910 short title https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910 1963 c236 §24.
.920 original effective date https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920 1963 c236 §25. Read; no historical transaction application made.
.921 1967 saving/effect https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921 1967 c234 §17.
.922 1993 application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922 1993 sp.s. c5 §4.
.924 1995 application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924 1995 c249 §2.
.925 1995 saving https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925 1995 c249 §3.
.926 1995 effective date https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926 1995 c249 §5.

5.2 Other current statutes and rules

All rows below were accessed October 28, 2026. “Current” means the official public codification displayed at access, subject to the separately stated currentness limits.

Source ID Issuer / instrument and literal HTTPS URLs Actual read extent, credit, status, and limitation
S_WA-P11-S002 Legislature, RCW 19.52: https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100; https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true; https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130 Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report.
S_WA-P11-S003 Legislature, Consumer Leases definition: https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020 Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded.
S_WA-P11-S004 Legislature, Lease-Purchase definitions/application: https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010; https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020 Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read.
S_WA-P11-S005 Legislature, Vehicle Dealers: https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360 Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized.
S_WA-P11-S006 Legislature, EMS fee: https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110 Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only.
S_WA-P11-S007 Legislature, EMS distribution: https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440 Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only.
S_WA-P11-S008 Legislature, brand-owner practices: https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196 Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report.
S_WA-P11-S009 Legislature, insurance-holding-company control: https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005; https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025 Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only.
S_WA-P11-S010 Legislature, GAP waivers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900 Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed.
S_WA-P11-S011 DOL, WAC 308-66-152: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152 Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed.
S_WA-P11-S012 OIC, WAC 284-160: https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true Complete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings.
S_WA-P11-S013 Legislature, UCC general provisions: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309 Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101.
S_WA-P11-S014 Legislature, UCC sales scope: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106 Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held.
S_WA-P11-S015 Legislature, OIC powers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true Complete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies.

5.3 Enacted originals, adoption orders, and material version boundaries

Issuer: Washington Legislature unless DOL/OIC is stated. PDF notation: “p.” is the printed page; “PDF” is the zero-based PDF index. These were parsed-text readings, not page-pixel inspections. Each row identifies selected reading bounds; it does not claim the entire document was read unless expressly stated.

Source ID Title / literal HTTPS URL Actual read bounds, status, and effective/application significance
S_WA-P11-S016 1992 c193: https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1 Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text.
S_WA-P11-S017 1995 c249: https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4 Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision.
S_WA-P11-S018 1993 sp.s. c5: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2 Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application.
S_WA-P11-S019 1967 c234: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12 §5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act.
S_WA-P11-S020 1993 c481: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1 Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording.
S_WA-P11-S021 2010 c161: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238 §509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages.
S_WA-P11-S022 2021 c201: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3 Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed.
S_WA-P11-S023 2020 c174: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2 §1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008.
S_WA-P11-S024 2022 c182: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211 Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read.
S_WA-P11-S025 2017 c41: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1 §1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately.
S_WA-P11-S026 2006 c289: https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2 Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed.
S_WA-P11-S027 2016 sp.s. c16: https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1 Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records.
S_WA-P11-S028 2019 c340: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2 §2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation.
S_WA-P11-S029 2023 c208: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5 Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed.
S_WA-P11-S030 2009 c334: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1 Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading.
S_WA-P11-S031 2025 c68: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1 §1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held.
S_WA-P11-S032 2025 c243: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14 Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling.
S_WA-P11-S033 2025 c399: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7 Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated.
S_WA-P11-S034 2012 c214: https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803 §123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded.
S_WA-P11-S035 2023 c266: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201 Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read.
S_WA-P11-S036 1989 c20: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18 Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption.
S_WA-P11-S037 Legislature, current telephone definitions: https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020 Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held.
S_WA-P11-S038 2026 c186: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6 Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission.
S_WA-P11-S039 2025 c228: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10 Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision future January 1, 2029.
S_WA-P11-S040 DOL permanent order WSR 15-16-125: https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm Full adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text.
S_WA-P11-S041 DOL withdrawal WSR 25-13-085: https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm Complete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on.
S_WA-P11-S042 OIC permanent order WSR 10-02-111: https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm Complete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved.
S_WA-P11-S043 Legislature, 2025 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf Relevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only.
S_WA-P11-S044 Legislature, 2026 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf Relevant searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee.
S_WA-P11-S045 Legislature, 2010 technical/effective notes: https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013 Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here.

6. Conditional branches and exact remaining inquiries

A branch is not an assumed transaction. “Missing predicate” identifies information or legal construction that would be necessary for a positive application; no such factual record is supplied or requested.

Branch ID Supported conditional consequence Missing predicate / adverse inference to avoid Exact next generic authority inquiry
B001 Chapter 63.14 can apply when its goods/services, purpose, actor, payment, and territorial definitions all fit. Mixed purpose, nonbusiness seller, or territorial nexus cannot be invented. Complete statutory/judicial construction of .010’s purpose and “entered into or performed” language in a separately authorized construction pass. C001–C006.
B002 Qualifying sales receive the stated chapter 19.52 exclusions. Purchase-related use of loan proceeds alone does not prove a credit sale. Generic sale-versus-loan construction of 19.52.100/.120 and 63.14.010; lender-law dependencies separately. C010.
B003 Vehicle overlays apply to their defined actors/activities. Dealer exclusions are activity-specific; title or institutional status is unestablished. Complete incorporated generic title/equipment/licensing/housing definitions only if needed for the particular legal category; no records or rosters.
B004 Lease-shaped ownership arrangements may be retail contracts; qualifying leases/rent-to-own use separate regimes. The reciprocal exclusions and substantive ownership conditions cannot be resolved by a “lease” label. Full chapters 63.10 and 63.19, relevant UCC lease/security classification, and their material enactment transitions. C006–C008.
B005 Written, signed, complete agreement/copy requirements govern subject to stated exceptions. A retrievable record is not automatically proof of valid electronic signature, delivery, or consent. RCW 1.80 and applicable federal electronic-record/signature scope and consumer-consent provisions; no actual document examination. C013–C020.
B006 Current service-charge limits refer to agreement and disclosure. No agreement-based unlimited-charge or universal federal-preemption conclusion. Full applicable federal creditor/preemption and TILA classification in a later federal pass; state unconscionability construction remains held. C025–C028, C055.
B007 Particular additional fees may be permitted under their own conditions. Exclusion from “service charge” is not authorization; sale-price categories do not prove a lawful charge or permit double counting. Generic construction of .010/.040/.090/.130/.140 and each exact additional-charge statute.
B008 The narrow .090(3) formula controls only its stated account and timing branch. Do not apply it to every late installment, infer a ten-day grace period, or treat its absence as unlimited permission. Construction of the unusual receipt/overdue language, retaining the verified 1993 original. C029.
B009 Section .080 supplies state prepayment/refund relations. Original charge below minimum-earned tier; termination/forfeiture; federal constraints; no invented negative credit or extra fee. Generic construction of .080 with .130; complete applicable federal prepayment authority, including 15 U.S.C. §1615 and implementing provisions, before any combined conclusion. C036–C037.
B010 Deferral requires agreement, acknowledgment, and a bounded amount/interval. Obsolete .130 subdivisions prevent a verified exact present cap. Formal legislative reconciliation or authorized judicial construction of .156, its reviser note, 1967 §13, and 1992/1995 changes. C038.
B011 Refinancing expressly excludes minimum-earned retention from its prepayment-equivalent credit. Obsolete .080(1)(d) citation and any competing interpretation remain unresolved. Generic construction of .158’s cross-reference while preserving its complete substantive sentence. C039.
B012 Qualifying off-premises cancellation has the statutory procedure and refund consequences. Historical telephone-definition incorporation; no universal remote-sale or motor-vehicle cooling-off right. Resolve incorporation of 1989 c20 §3 versus current 19.158.020; separately examine any federal cooling-off rule with complete scope/exclusions. C043–C046.
B013 Oversized-installment default may trigger rescheduling. Seasonal/irregular-payment exception and “substantially greater” remain predicates/standards. Generic construction of .159; do not substitute an invented numerical cap. C040.
B014 Bushing requires timely acceptance or rejection/tender under the stated branch. This is a dealer obligation, not a general buyer cancellation option; no actual acceptance, misrepresentation, or communication established. Complete construction of .180(4), relevant 2006 application, and communication boundary if separately authorized. C047–C050.
B015 Consolidation has special allocations when retained security exists. No security validity, collateral release, default, or repossession permission follows. Exact Article9 interface and any relevant sale-law construction; no reuse of unreviewed P10 merits. C041.
B016 Insecurity acceleration is bounded by UCC good faith where the UCC applies. Scope, hybrid predominance, contractual trigger, impairment, and burden satisfaction are absent. Full indispensable Article2/default/remedy provisions and applicable state consumer-credit rules; judicial construction separately held. C052.
B017 Sale-related claims/defenses cannot be contractually waived as specified. Defense preservation does not establish an affirmative recovery amount against every assignee. Complete state assignee/remedy construction and separately scoped FTC Holder Rule inquiry. C011, C013, C053–C054.
B018 Proven chapter violations may invoke specified charge forfeiture/recovery. Error exception, charge classification, causation, party liability, award, offset, and remedy combination unestablished. Full generic construction of .175/.180; CPA and other remedy stacking remain separate. C056–C058.
B019 The identified statutory actions contain their own timing provisions. No actual accrual, tolling, filing deadline, or transfer to other causes of action. Exact action-specific construction of .152 and 46.70.190; P3 is not a premise. C059, C063.
B020 Section .170 supplies criminal text. Its stated figures cannot be presented as a complete modern sentencing result. Complete RCW 9A.20 classification/penalty incorporation and any applicable savings provisions; criminal application otherwise excluded. C060.
B021 GAP consumer clauses apply within chapter scope or the specified voluntary election. Exempt institutional status and the scope of federal Part 37/NCUA provisions remain unverified. Complete 48.160.001 incorporations, exact election effect, and relevant federal definitions/exclusions. C065.
B022 GAP’s separate-cost treatment depends on federal conformity. State wording is not an independent TILA finance-charge determination. Complete relevant TILA/Regulation Z definitions, exclusions, disclosure and optional-product predicates. C067.
B023 GAP refund, current-obligor payment, and balance-credit duties operate when their predicates are met. Post-free-look refund is not automatically due; terms, benefit history, financing, request, and termination predicates absent. Generic construction of .050/.060 and WAC -080; no private waiver or payment history sought. C068–C072.
B024 State disclosure safe harbor depends on federal law in force at execution. Federal currentness, creditor coverage, transaction exemptions, and execution-date law are unexamined. TILA/Regulation Z scope and versions; FTC Holder/cooling-off, MLA/SCRA, bankruptcy, reporting and collection regimes separately. C024.
B025 Current statutes and identified transitions support present text reporting. Historical agreements cannot automatically receive current terms; no proof of no later uncodified amendment. Event-specific generic enactment chain, unresolved original 1981/1984/other historical acts, and later official legislative checks. C075–C080.
B026 Current DOL/OIC rules apply within their delegated subjects. Withdrawn proposals are not operative; OIC January 1–5, 2010 historical interval unresolved. Exact historical emergency/permanent rule sequence only if that interval is material; no present repeal inference. C073–C074.
B027 Special regimes may alter ordinary-goods analysis. Manufactured/mobile housing, agricultural/business transactions, regulated services, insurance, licensing, title, and special collateral are not completed. Their exact generic statutes/rules and cross-references; no participant or property records.
B028 Dealer deposit text has specific duties and evidentiary consequences. No actual trust breach, delivery, consumer ownership, or manufactured-home rule established. Complete RCW 46.70.135(5) incorporation and applicable generic deposit/remedy construction for the special branch. C051.
B029 State statutory and administrative remedies are differentiated. Public enforcement power does not itself supply every private cause, damages measure, or guaranteed relief. Full chapter 19.86 elements/remedies, OIC hearing/sanction provisions, and general procedural relationships in separate passes. C061–C064.
B030 This component preserves the listed state-law distinctions. No local/tribal/interstate, disability/discrimination/privacy, federal-benefit, or bankruptcy conclusion is supplied. Separate generic jurisdictional and special-regime authorities; full judicial construction remains open.

7. Wholly blank conceptual worksheet

The entry cells below are intentionally empty.

Analytical field Entry
Governing public-law category
Relevant statutory version
Application/savings clause
Goods/services category
Purpose classification
Actor definition
Territorial predicate
Sale/loan/lease/revolving classification
Applicable exclusion
Agreement-content requirement
Signature/record requirement
Copy/delivery requirement
Statutory amount categories
Service-charge authority
Separate-charge authority
Insurance/ancillary-product authority
Payment/prepayment provision
Deferral/refinancing incorporation
Default/acceleration predicate
Cancellation provision
Assignee/holder provision
Nonwaiver provision
Remedy and error qualification
Source-stated trigger and unit
Counting-rule authority
Federal dependency
Historical-version dependency
Unresolved construction
Exact next generic authority

8. Granular component coverage and retained gaps

“Answered” below means the bounded public-text question is answered, not that an actual transaction satisfies it.

Scope item Status Source / claim / branch links Exact remaining evidence or retained boundary
1 — Governing ordinary-goods framework Answered—text S001; C001–C006 Actual classification excluded.
1 — Motor-vehicle overlay Answered—text S005, S021–S025; C022–C035, C045–C051 Full dealer licensing, title, and actual actor status excluded.
1 — Purpose, actor, amount, territorial scope Answered with construction holds C001–C004; B001–B003 Mixed purpose and territorial construction remain open.
1 — Security versus sale/loan Answered—boundary C005, C010–C011; B002, B015 Attachment, perfection, priority, enforcement capacity excluded.
1 — Lease/consumer lease/rental-purchase Answered—classification gateways S003–S004; C006–C008 Full regimes and reciprocal-exclusion construction open.
1 — Revolving/card/institution distinctions Answered—state text C009, C020, C027, C029, C042 Federal/institutional scope held.
1 — Material enactment/application Partial, identified S016–S039; C075–C080 Not every historical act independently read.
2 — Writing/signature/completion Answered—text C013–C014 Electronic-record/signature equivalence held, B005.
2 — Copy/delivery/remote exceptions Answered—text C015, C018–C020 Actual receipt or conformity not examined.
2 — Legal amount categories Answered—text/formulas C016–C017; Q004–Q006 No federal amount-financed/APR equivalence.
2 — Vehicle itemization/retention Answered—text C022–C023; Q031–Q032 No consumer record-access entitlement inferred.
2 — Prohibited terms/holder notice/nonwaiver Answered—text C013, C053–C054 Full assignee affirmative recovery and electronic delivery held.
2 — Federal disclosure incorporation Partial C024; B024 Complete TILA/Regulation Z inquiry required.
3 — Current service-charge structure/history Answered—state text C025–C027, C076 General federal/preemption/construction boundaries retained.
3 — Delinquency/default/collection fees Answered—conditional C028–C029; Q011 No universal closed-end numerical late-fee cap established.
3 — Deferral charges Partial—exact cap held C038; Q021; B010 Obsolete incorporated subdivisions.
3 — Insurance Answered—retail clause only C030 Full insurance rating, cancellation, refund, and anti-discrimination regimes open.
3 — Vehicle documentary/administrative fees Answered—exact statutes C031–C032 Other title/registration fees excluded.
3 — Ancillary products/GAP Answered with exclusions C033–C035, C065–C072 Institutional, federal, licensing/backing-insurance branches held.
3 — APR/rounding/discretion Bounded Q005, Q012, Q039–Q040 No APR calculation or unstated rounding convention.
4 — Payment statements/card credits Answered—text C021, C042 No universal goods-return right.
4 — Full prepayment/rebate Partial—state relation verified C036–C037; Q020 Low-original-charge interaction and federal constraints held.
4 — Deferral/refinancing Partial C038–C039; B010–B011 Exact obsolete-reference reconciliation remains.
4 — Oversized installment/consolidation Answered—conditional C040–C041 Qualitative standards/security validity held.
4 — Cancellation Answered with telephone hold C043–C046 No universal motor cancellation; other state/federal grounds not completed.
4 — Conditional vehicle acceptance Answered—text C047–C051 No actual acceptance, tender, misrepresentation, or return determination.
4 — Default/acceleration/cure Partial—narrow UCC rule C052; B016 No universal notice/cure regime; Article9 and full Article2 remedies separate.
5 — Assignment/claims/defenses Answered—text C011, C013, C053 Affirmative recovery/holder-rule construction open.
5 — Nonwaiver/unconscionability Answered—text C054–C055 No actual invalidity or judicial finding.
5 — Error/charge forfeiture/recovery Answered—conditional formula C056–C058; Q034 Liability, offset, stacking, award and causation held.
5 — Action-specific timing Answered—text only C059, C063; Q033, Q037 No P3 rerun, actual deadline, or tolling analysis.
5 — Public enforcement/penalties Answered with sentencing hold C060–C064 General criminal sentencing, full CPA and agency hearing process open.
6 — True leases/rental-purchase/housing/business/agriculture Gateways only; full regimes excluded B004, B027 Separate complete generic inquiries required.
6 — Licensing/title/Article9 Excluded except exact interfaces B003, B015 No permission, repossession, perfection, priority, or title outcome.
6 — Federal regimes Held B021–B024 TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption.
6 — Insurance/disability/privacy/local/tribal/interstate Excluded/held B027–B030 Separate scope, definitions, exceptions, and remedies required.
6 — Judicial construction Deliberately uninvestigated All held branches No cases/opinions/dockets searched.
7 — Current operative bodies/read bounds Answered for listed sources S001–S015, S037, S045 Unlisted clauses are not represented as read.
7 — Material original amendments/effect/application Substantially authenticated, bounded S016–S042 Specific older-act and transition gaps preserved.
7 — 2023/2025/2026 and prospective changes Checked with limits C078–C080; S031–S044 Report cutoffs do not prove no later uncodified change.
7 — Failed routes/alternative access Documented below Failure log Recovery closes only the exact section/order access gap.
Registry dimension 6 overall Open This component only Other secured/sector components, federal interfaces, and construction remain separate.
Earlier P1/P2 findings and all other passes Unchanged; not substantive premises Supplied scope context only No repair, acceptance, or closure implied.

9. Complete read, search, discovery, and failure log

9.1 Reading log by purpose

Read group Actual work completed Evidence boundary
Governing framework Individually opened and read every S001 section listed in §5.1, including complete relied-on exceptions, notes, and credits. Chapter index was not substituted for bodies; .123 excluded.
Cross-regime classification Read S002–S004 sale/usury, consumer-lease, and lease-purchase provisions. Other loans/leases/rental-purchase obligations not completed.
Vehicle overlay Read complete listed S005 sections, fees S006–S007, and secondary-product/control incorporations S008–S009. Licensing, title records, actual providers, and private policies not investigated.
Ancillary GAP Read complete listed S010 provisions, current WAC chapter S012, OIC rule authority S015, and permanent order S042. No actual waiver, insurer, assignee, registration, or eligibility examined.
Default boundary Read selected complete UCC scope/definition/acceleration clauses in S013–S014 and material transition originals S034–S035. Full Article2/Article9, attached-property incorporation, and judicial construction held.
Charge history Read S016–S020, selected S021, and current application/savings clauses. Historical rates were not applied as current law.
Motor amendments Read material original clauses in S022–S029 and S031, with effective/application texts identified in the register. Other portions of those enactments were not represented as completed.
2025/2026 changes Read S032–S033, S038–S039, relevant affected-section entries S043–S044, and present codification. Negative index searches are limited evidence.
Rule status Read current DOL rule, its permanent adoption, filing history, and actual withdrawal notice S040–S041. Proposed 2025 body not read or applied.
Telephone incorporation Read original 1989 §3 definitions/exclusions and amendment/effective clauses; read complete current 19.158.020. Incorporation issue remains held.
Final verification Reopened complete .080, .090, .180, .158, .010, .040, .130, .154, .120, .165, .156, .043, .140, .152, .110, .020, .150, .167; relevant vehicle/GAP/lease/usury clauses; complete DOL rule continuations. These are verification reads of the same instruments, not independent corroboration.

9.2 Search log

All searches concerned generic public legal texts. No named person, provider, dealer, case, docket, vehicle, account, or transaction was queried.

Search group Queries used
Governing statutes site:app.leg.wa.gov/rcw "63.14" "retail installment"; site:app.leg.wa.gov/rcw "motor vehicle" "retail installment contract"; site:app.leg.wa.gov/rcw "motor vehicle" "installment sales"
Usury and default interfaces site:app.leg.wa.gov/rcw "19.52" "63.14" "shall not"; site:app.leg.wa.gov/RCW "63.14" "default" "cure"
Administrative rules site:app.leg.wa.gov/wac "retail installment" "vehicle"; site:app.leg.wa.gov/wac "dealer" "financing" "agreement"; site:app.leg.wa.gov "63.14" "WAC"
Rule adoption/status site:lawfilesext.leg.wa.gov "15-16-125" "308-66-152"; site:lawfilesext.leg.wa.gov/law/wsr/2010 "10-02-111"
GAP site:app.leg.wa.gov/wac "guaranteed asset protection" waiver
Recent amendments site:leg.wa.gov "2026" "63.14" amendments; site:leg.wa.gov "2026" "RCW" "Sections Affected"; site:app.leg.wa.gov/rcw "63.14" "2025" "2026"
Specific discovered amendments site:app.leg.wa.gov/rcw "2025 c 228" "46.70"; site:lawfilesext.leg.wa.gov "2026" "Chapter 186" "motor"
In-document searches Relevant current sections and statutory credits; affected-section reports searched for 63.14, 19.52, 46.70, 48.160, 46.96, and where relevant 48.31B; neighboring entries and report dates then read.

9.3 Discovery-only and read-but-not-relied-on material

Material / route Treatment
Chapter index: https://app.leg.wa.gov/RCW/default.aspx?cite=63.14 Navigation only; not evidence of operative wording.
Affected-section index: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/ Navigation to official 2025/2026 reports.
DOL filing index: https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152 Filing entries read for discovery/status; actual adoption and withdrawal separately opened.
Historical Title 63 PDF: https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf Search discovery only; not opened or used as current law.
Other combined-code/archive search hits Not relied on; no operative conclusion based on snippets or titles.
WAC 308-66-165: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165 Body read; concerns renewal/reporting counts, not the requested retail-credit consumer terms. Excluded from findings.
RCW 62A.11-102: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102 Body read; older transition provision, not the 2023 transition sought. Actual 2023 session-law clauses were subsequently read instead.
WSR 25-04-119 proposal Identified through filing/withdrawal material; proposal body not read, not current law.
Incidental neighboring statutory text Not converted into coverage of taxes, mobile-home financing, securities, full licensing, or other sectors.

9.4 Failed routes and materially different ordinary recoveries

Failure ID Fresh failed route Different ordinary official route and result Remaining limitation
F001 https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120 did not return a readable body. https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true supplied complete .120(1)–(8), credits, and notes. Exact section access gap resolved; no general website-failure inference.
F002 https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070 did not return a readable filing index. Ordinary official search located https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm; complete adoption/order text read. Filing-index route remains unread; current rule and identified adoption were authenticated separately.
F003 https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060 did not return a readable section body. https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true supplied complete .060(1)–(7). Exact operative-section gap resolved only.
F004 — presentation, not site failure Some long results initially stopped before the end of the relevant body. Targeted continuations exposed the missing relied-on paragraphs. Output truncation was not described as statutory absence or public-site inaccessibility.

No identical failed-route hammering, login, CAPTCHA workaround, hidden endpoint, access-control bypass, or contact was used.

10. Researcher self-check — not independent review

  • Fresh authority: The substantive findings use the newly read sources registered above. Supplied P1/P2 exclusions and overlap metadata are not legal evidence for this pass.
  • Actual reading: Complete relied-on current subsections and material exceptions were read. Selected session-law readings are expressly bounded; lengthy transportation, UCC, housing, and other enactments are not represented as fully read.
  • Source hierarchy: Current operative statutes and adopted rules support legal propositions. Indexes support discovery/currentness checks only. Search snippets, titles, and unopened historical reproductions do not support positive findings.
  • Version control: Historical rates, the repealed sunset, current amendments, the withdrawn proposal, and the future 2029 provision remain distinct. No webpage copyright/update marker was treated as a clause’s effective date.
  • Quantities: All quantities relied on in the findings are preserved with their source bases, triggers, strict/inclusive boundaries, and conditions. No financial example, calendar result, APR, amortization, or damages calculation was performed.
  • Material holds: The deferral-rate incorporation, low-original-charge prepayment interaction, historical telephone-definition incorporation, old refinancing paragraph reference, historical application gaps, general criminal sentencing, and unexamined federal requirements remain explicit.
  • Federal boundary: No substantive federal compliance, preemption, holder-rule, bankruptcy, military, reporting, or debt-collection conclusion is supplied merely because a Washington statute references it.
  • PDF integrity: PDF citations identify printed pages and zero-based indices. Parsed text was read; page pixels were not inspected. Multiple formats of an instrument are not independent corroboration.
  • Actual-application boundary: No actual or invented identifying buyer, seller, dealer, contract, vehicle, account, payment, notice, record, case, or transaction was examined or constructed. The worksheet remains wholly blank.
  • Scope preservation: Earlier Washington findings and holds remain unchanged. Full licensing, Article9 enforcement/perfection/priority, other sectors, federal regimes, local/tribal/interstate questions, and full judicial construction remain open.

This pass establishes the bounded public-text findings and exact remaining dependencies above. It does not constitute Washington, registry dimension 6, A066, parent, operational, or publication acceptance.

END S_WA PASS-11.

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.

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 →

Captured table 01

Category or authority · Source-stated distinction · Consequence and retained boundary · 11 data rows

Category or authoritySource-stated distinctionConsequence and retained boundary
Covered retail installment transactionService charge plus payment of unpaid principal in one or more installments; alternatively, no service charge and payment in more than four installments.Chapter 63.14 classification depends on its complete definitions, not the transaction’s label. C001–C006.
Ordinary goods versus business goodsChapter 63.14 goods and services definitions use primarily personal, family, or household purposes and exclude commercial/business use.Business, agricultural, mixed-purpose, and noncovered transactions require their own analysis. C001–C003; B001.
Closed-end contract versus revolving agreementA retail installment contract excludes retail charge and lender-card agreements; those arrangements have separate disclosure and charge provisions.A revolving-account minimum charge or delinquency formula cannot automatically be transferred to a closed-end vehicle contract. C005, C020, C027–C029.
Credit sale versus loanRCW 19.52.100 excludes qualifying chapter 63.14 transactions from the usury chapter; .120 separately addresses deferred-payment sales despite specified financing participation.These are statutory exclusions for qualifying transactions, not a general exclusion for every loan used to buy goods. C010; B002.
Lease-shaped sale versus consumer leaseChapter 63.14 includes certain ownership-oriented bailments/leases but expressly excludes specified consumer leases and lease-purchase agreements.Ownership terms, duration, purpose, and cross-referenced exclusions must be resolved; residual-value language alone does not settle classification. C006–C008.
Motor-vehicle credit saleChapter 63.14 applies its express vehicle clauses alongside relevant chapter 46.70 requirements.Vehicle-specific itemization, documentary-fee, conditional-acceptance, and cancellation provisions supplement the generic framework. C022–C023, C031–C035, C045–C051.
Financial-institution cardRCW 63.14.165 excludes the defined card arrangement from most of chapter 63.14, while retaining .167 and referring to chapter 19.52.This is not a blanket exemption for every assigned retail contract held by a financial institution. C009–C011.
GAP waiverChapter 48.160 has its own definitions, exclusions, disclosures, assignment, and conditional refund rules.Inclusion of GAP cost in statutory sale-price categories does not eliminate the separate framework or establish federal finance-charge treatment. C065–C072.
Enacted statuteRCW text supplies current codification; session laws establish material amendments, effective dates, and savings/application clauses.A latest-credit date is not the effective date of every clause. S001–S039.
Adopted administrative ruleDOL and OIC rules supply the specifically identified requirements within their statutory authority.A proposed or withdrawn rule is not an operative amendment. C073–C074, C081.
Judicial constructionNo cases, opinions, dockets, or party records were investigated.Ambiguous incorporation, standards such as reasonableness, and actual application remain held. Branch register.

Captured table 02

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 12 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C001Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services.S001 .010(2), (16); S021 §1152. Text verified. app.leg.wa.gov
S_WA-P11-C002“Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers.S001 .010(6), (9), (13). Text verified; purpose remains indispensable.
S_WA-P11-C003The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions.S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion.
S_WA-P11-C004A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments.S001 .010(12); S018 §1. Text verified. app.leg.wa.gov
S_WA-P11-C005A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default.S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded.
S_WA-P11-C006A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements.S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous.
S_WA-P11-C007The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material.S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. app.leg.wa.gov
S_WA-P11-C008Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2).S004 .010 and .020, complete. Full rental-purchase obligations excluded. app.leg.wa.gov
S_WA-P11-C009Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property.S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. app.leg.wa.gov
S_WA-P11-C010RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services.S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. app.leg.wa.gov
S_WA-P11-C011Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here.S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held.
S_WA-P11-C012Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications.S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. app.leg.wa.gov +1
Source links captured in this table

Captured table 03

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 12 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C013A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so.S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. app.leg.wa.gov
S_WA-P11-C014The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information.S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held.
S_WA-P11-C015The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement.S001 .030, complete. Text verified; this is not a general declaration that the transaction is void.
S_WA-P11-C016The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification.S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. app.leg.wa.gov
S_WA-P11-C017The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events.S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value.
S_WA-P11-C018The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services.S001 .060, complete. It is not a blanket remote-sale exemption.
S_WA-P11-C019A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due.S001 .050; .110(1), complete. app.leg.wa.gov
S_WA-P11-C020Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice.S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. app.leg.wa.gov
S_WA-P11-C021Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each.S001 .100, complete. No response-day deadline was supplied by this section.
S_WA-P11-C022For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents.S005 .130(1)–(2), complete. No title application or transaction document examined.
S_WA-P11-C023Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement.S005 .120, complete; S027 §1. Q031 gives exact periods.
S_WA-P11-C024Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule.S001 .151, complete. Federal incorporation held.
Source links captured in this table

Captured table 04

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 11 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C025The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate.S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. app.leg.wa.gov
S_WA-P11-C026The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees.S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it.
S_WA-P11-C027For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1.S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge.
S_WA-P11-C028Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee.S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. app.leg.wa.gov
S_WA-P11-C029The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2.S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap.
S_WA-P11-C030Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty.S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. app.leg.wa.gov
S_WA-P11-C031A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required.S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. app.leg.wa.gov
S_WA-P11-C032The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material.S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded.
S_WA-P11-C033A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence.S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. app.leg.wa.gov
S_WA-P11-C034The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications.S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding.
S_WA-P11-C035A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted for consideration by an applied-to lender, except lenders both licensed and regulated under chapter 31.04.S001 .043(1), complete. This is not mandatory credit approval or proof of conformity.
Source links captured in this table

Captured table 05

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 17 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C036Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit.S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. app.leg.wa.gov
S_WA-P11-C037The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge.S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009.
S_WA-P11-C038An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140.S001 .156, complete; S019 §§8, 13; S016. Exact current incorporated cap held. app.leg.wa.gov
S_WA-P11-C039Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit without minimum-earned retention; the rate refers to .130. Consolidation invokes .110.S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. app.leg.wa.gov
S_WA-P11-C040When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains.S001 .159, complete. No numerical substitute for “substantially greater.”
S_WA-P11-C041Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material.S001 .110(2)(a)–(c), including final exception. Q024. app.leg.wa.gov
S_WA-P11-C042When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits.S001 .167(1)–(4), complete. This does not create a general right to return goods. app.leg.wa.gov
S_WA-P11-C043For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition.S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046.
S_WA-P11-C044Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed.S001 .154(2), complete. Not a rule for every cancellation or prepayment. app.leg.wa.gov
S_WA-P11-C045Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer.S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds.
S_WA-P11-C046The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved.S036 §3, §18; S037 .020. Construction held, not a universal telephone-sale right.
S_WA-P11-C047For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return.S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028.
S_WA-P11-C048Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule.S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. app.leg.wa.gov
S_WA-P11-C049The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications.S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here.
S_WA-P11-C050Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery.S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held.
S_WA-P11-C051The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate.S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference.
S_WA-P11-C052For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party.S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established.
Source links captured in this table

Captured table 06

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 12 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C053A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section.S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. app.leg.wa.gov
S_WA-P11-C054A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies.S001 .160, complete. No broader post-dispute waiver conclusion supplied.
S_WA-P11-C055On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable.S001 .136; S017 §4, complete. No actual unconscionability finding.
S_WA-P11-C056Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery.S001 .180 first sentence, complete. This is not automatic erasure of every obligation. app.leg.wa.gov
S_WA-P11-C057Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata.S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion.
S_WA-P11-C058The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses.S001 .175, .922; S018 §§3–5. Full historical judicial construction held.
S_WA-P11-C059The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced.S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. app.leg.wa.gov
S_WA-P11-C060Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence.S001 .170, complete. General criminal classification/sentencing incorporation not completed; Q035 reports section text, not an exhaustive current sentencing conclusion.
S_WA-P11-C061The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence.S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement.
S_WA-P11-C062Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court.S001 .210, complete. No automatic private award.
S_WA-P11-C063RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision.S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. app.leg.wa.gov
S_WA-P11-C064Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch.S005 .270, .310, .180(5). Full CPA and criminal regimes held.
Source links captured in this table

Captured table 07

Claim ID · Precise assertion, conditions, and exceptions · Sources and exact pinpoints; confidence · 17 data rows

Claim IDPrecise assertion, conditions, and exceptionsSources and exact pinpoints; confidence
S_WA-P11-C065Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers.S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. app.leg.wa.gov
S_WA-P11-C066A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness.S010 .010, complete. It is not a blanket insurance or retail-sale classification.
S_WA-P11-C067GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance.S010 .030(1)–(6), complete. Federal classification held. app.leg.wa.gov
S_WA-P11-C068GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status.S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement.
S_WA-P11-C069The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally.S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established.
S_WA-P11-C070Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination.S010 .060(1)–(2), complete. No universal automatic post-free-look refund. app.leg.wa.gov
S_WA-P11-C071A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure.S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer.
S_WA-P11-C072When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period.S012 -080, -090, complete; -020 definitions. Q019.
S_WA-P11-C073The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn.S011; S040; S041. Proposal text not relied on as law.
S_WA-P11-C074The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010.S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred.
S_WA-P11-C075The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction.S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here.
S_WA-P11-C076The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions.S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings.
S_WA-P11-C077The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022.S022 §§2–3 and certified header; S024 §211(2), §511.
S_WA-P11-C078Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029.S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred.
S_WA-P11-C079The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed.S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204.
S_WA-P11-C080Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change.S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding.
S_WA-P11-C081DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling.S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. app.leg.wa.gov
Source links captured in this table

Captured table 08

Quantity ID · Exact relation, unit, event, and boundary · Conditions, exceptions, counting/rounding limit · 41 data rows

Quantity IDExact relation, unit, event, and boundaryConditions, exceptions, counting/rounding limitClaim/source links
Q001Service-charge branch: one or more installments. No-service-charge branch: more than four.Strict >4; not ≥4.C004; S001 .010(12).
Q002Consumer lease: >4 months, generally obligation ≤$25,000.Dollar ceiling inapplicable to motor-vehicle consumer leases; complete exclusions apply.C007; S003 .020(4).
Q003Lease-purchase initial term ≤4 months.Renewable beyond initial term; no initial obligation beyond it; automobile exclusion.C008; S004 .010–.020.
Q004.040 sequence: SP − DP; then insurance, official fees, qualifying trade-in/terminated-lease discharge amount; statutory principal is the specified sum..010(7), (14) additionally identify vehicle-fee and sale-price categories. No duplication or actual allocation is performed. Federal “amount financed” equivalence is held.C016; S001 .010(7), (14), .040(1)(a)–(g).
Q005T = P + SC; .040(1)(i) requires the dollar time-balance sum when SC is stated in dollars. Statutory “rate” is the percentage applied to the outstanding balance for the month/installment period.This is not a verified federal APR formula. The prescribed notice refers to a per-annum rate computed monthly.C016, C025; S001 .010(8), (17), .040(1)(h)–(i), (2)(d).
Q006Maximum number, installment amounts, and due dates are generally required.Equal-payment/final-payment exception uses “does not substantially exceed”; no numerical threshold. First date may reference contract/delivery/installation.C017; S001 .040(1)(j).
Q007Contract text ≥8 point; copy acknowledgment and prescribed buyer notices ≥10-point boldface.Exact placement and scope differ; completion instructions excluded from eight-point rule.C014–C016, C020; S001 .020, .030, .040(2), .120(3).
Q008Copy at signing; qualifying later-acceptance copy/memorandum mailed; remote-order memorandum before first installment, or before/with delivery when specified. Consolidation memorandum before first consolidated installment due.Different triggers; no single universal delivery clock.C015, C018–C019.
Q009First requested account statement free; subsequent statements ≤$1 each.Written-request predicate; no section-stated day deadline.C021; S001 .100.
Q010Revolving/charge/card computed monthly SC <$1 → $1 may be charged.Optional minimum in .130(2), not a general closed-end fee.C027.
Q011Specified account B < $100; delinquency charge ordinarily ≤0.10 × B, with minimum up to $2 allowed.B is prior 30-day average; minimum payment received within 10 days following due date; subsection excludes payment >30 days overdue. No universal grace-period inference.C029; S001 .090(3), S020.
Q012Included insurance amount ≤ insurer-fixed premium, except the text’s amount-<$1 qualification. Procurement document/notice within 45 days after delivery/services.No statutory rounding convention or automatic $1 insurance minimum inferred.C030; S001 .140.
Q013Documentary fee ≤$200 per vehicle sale or lease.Optional, negotiable, disclosed before execution, separately designated; advertising qualification. No indexing provision relied on.C031; S005 .180(2), S024.
Q014EMS fee $6.50; dealer share $2.50 of that fee.Specified title-application transactions and total-loss exception. No added-fee arithmetic or other title-fee calculation.C032; S006–S007.
Q015Control presumption at ≥10% voting securities; complete disclaimer deemed granted unless disallowed within 30 days of receipt.Rebuttable control presumption; actual power and disclaimer/hearing qualifications retained.C034; S009 .005(3), .025(11).
Q016GAP free look at least 30 days from effective date.Full refund within free look requires no benefits; otherwise terms govern.C066, C070; S010 .010, .060(1).
Q017GAP assignment notice within 30 days of assignment; changed benefit-contact notice within 30 days of change.Mailing duty; rule specifies U.S. mail, electronic notice additionally.C069; S010 .030(9), S012 -070.
Q018Conditional GAP refund request within 90 days of event terminating finance agreement.Written request and applicable waiver terms; not a universal payment deadline.C070; S010 .060(2).
Q019GAP records retained for agreement duration plus 2 years after termination.Termination categories include expiration, cancellation, and provision of waiver benefits under the rule.C072; S012 -090.
Q020Before provisos: R ≥ SC × [Σ PTB not yet due ÷ Σ all PTB]; earned charge E = SC − R. Minimum earned charge: $15 if P≤$250; $25 if $250<P≤$500; $37.50 if $500<P≤$1,000; $50 if P>$1,000.If computed E is below the applicable minimum, statute deems the minimum earned. Refund <$1 need not be made. PTB measured at last day of month/other uniform scheduled interval. Low-original-charge interaction and federal incorporation held; no zero floor, rounding, or negative-credit invention.C036–C037; S001 .080; S019 §5.
Q021Deferral base = installment(s) or portion deferred; interval no longer than original due date to agreed deferred due date.Cap references obsolete rate subdivisions. Computed charge <$1 permits a $1 minimum, but this does not cure the unresolved rate incorporation. Additional continuation-insurance cost conditional.C038; S001 .156.
Q022Refinance charge base: A + I + O − prepayment-equivalent R; minimum-earned retention excluded in that R.Written agreement; charge rate limited by .130; added insurance must satisfy .140; no amortization or amount computed.C039; S001 .158.
Q023Triggering installment >2 × average preceding installments.Default on that installment; replacement installments not substantially greater without agreement; seasonal/irregular-income/employment exception.C040; S001 .159.
Q024Ordinary consolidation allocation ratios follow Cj ÷ ΣCj. Prior payments go to earlier purchases; new downpayment goes to new purchase.Alternative allocates installment increase to new purchase and previous installment amount to prior balances; attached-goods/services exception.C041; S001 .110(2).
Q025Seller transmits card credit within 7 working days of entitlement transaction; issuer credits within 3 working days following receipt. Notice at least once/calendar year, intervals 6–18 months inclusive.Separate actors/triggers. “Working day” not further defined in the read section.C042; S001 .167.
Q026Qualifying cancellation notice posted not later than midnight of third day following signing, excluding Sundays and holidays.Posting, not a universal receipt rule. Motor-vehicle exclusion; goods condition; telephone-definition hold. No actual holiday/calendar calculation.C043, C045–C046; S001 .154.
Q027Seller refunds deposits within 10 days after qualifying cancellation; trade-in reduction limited to reasonable costs actually incurred preparing it for sale.No additional cancellation liability under this section; general counting convention not supplied.C044; S001 .154(2).
Q028Bushing period 4 calendar days, exclusive of Saturday, Sunday, legal holiday, and before further negotiations.Conditional/future-acceptance signed agreement; communication effective upon execution/mailing/sending under enumerated methods.C047–C049; S005 .180(4)(a), S025.
Q029Excess additional mileage ≥500 miles between initial trade-in valuation and delivery.Separate title-brand, damage/defect, and discrepancy branches; no actual mileage or valuation.C050; S005 .180(4)(b).
Q030Deposit-handling evidence includes failure to deposit by close of banking hours on day following receipt.Statutory trust-until-delivery duty, immediate handling provisions, and separate-trust alternative; not every failure automatically proves liability.C051; S005 .180(9).
Q031Dealer records ≥5 years; paper generally 1 year before electronic alternative; paper older than 2 years may be offsite if produced within 3 calendar days excluding Saturdays, Sundays, legal holidays after director request.Electronic-origin alternative; regulatory request, not consumer access.C023; S005 .120; S027.
Q032Vehicle financing/insurance/tax/other-charge itemization before execution/consummation.Seller-signed written itemization; title-application exception has limited scope.C022; S005 .130.
Q033Declaratory-action cutoff: no later than the earlier of 6 months after final payment becomes due, acceleration or otherwise, and 6 months after principal is fully paid.Specific .152 action only; no actual accrual/date/counting conclusion; historical incorporation held.C059.
Q034Excess-SC statutory recovery relation: 2 × SC paid + SC contracted but unpaid + costs + reasonable attorney fees.Accidental/bona-fide-error exception; resulting cash-price reduction pro rata to future principal installments; no stacking/award assumed.C057; S001 .180.
Q035Section .170 text states fine ≤$1,000, imprisonment ≤6 months, or both.Willful/intentional violation and conviction; general criminal classification/sentencing remains unread and held.C060.
Q036Civil order-violation penalty ≤$1,000.AG petition in issuing court; not a private automatic recovery.C062; S001 .210.
Q037Section 46.70.190 action no later than 1 year following alleged violation.Specific statutory action; no extension, tolling, accrual construction, or filing date supplied.C063.
Q038GAP single-payment or monthly/periodic option; refund may be applied to financed balance.No universal GAP price cap or universal refund formula established by the read consumer clauses. “Unknown cap” is not unlimited-charge permission.C067, C070–C071.
Q039“Prompt,” “reasonable,” “substantially,” and good faith retain their statutory qualitative character.No invented fixed day count, percentage, or operational test.C017, C020, C028, C040, C052, C055.
Q040Advertising a specified downpayment, payment, repayment period, finance charge, or no-charge credit triggers the complete listed companion disclosures.State-rule APR disclosure is not a rate cap; no APR calculation. Other advertising quantities were read but are outside the relied-on findings.C081; S011 -152(5)–(6).
Q041WAC 284-160 defines days as calendar days including weekends/holidays and recognizes retrievable written/electronic records.Rule-chapter definitions are not automatically exported to every statutory clock or signature requirement.C069–C074; S012 -020.

Captured table 09

Exact section / use · Literal HTTPS URL · Displayed credit / reading qualification · 44 data rows

Exact section / useLiteral HTTPS URLDisplayed credit / reading qualification
.010 definitionshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0102010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read.
.020 document, note, signaturehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0201967 c234 §1; 1963 c236 §2. Complete.
.030 copyhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0302012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3.
.040 contents/noticeshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0402021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated.
.043 vehicle contracts/productshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0432020 c174 §2; 2006 c288 §1.
.050 multipurchase documentshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0501963 c236 §5.
.060 mail/telephone ordershttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0602012 c117 §168; 1967 c234 §4; 1963 c236 §6.
.070 blankshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0701963 c236 §7.
.080 prepaymenthttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0802012 c117 §169; 1967 c234 §5; 1963 c236 §8.
.090 delinquency/collectionhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.0901993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections.
.100 receipts/statementshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1001963 c236 §10.
.110 consolidationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1102012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11.
.120 revolving/card informationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1201984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions.
.125 card security restrictionhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1251984 c280 §4.
.127 dog/cat collateralhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1272019 c340 §2.
.130 service chargeshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1302010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read.
.136 unconscionabilityhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1361995 c249 §4; renumbering note read.
.140 insurancehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1402012 c117 §171; 1984 c280 §6; 1963 c236 §14.
.145 assignmenthttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1451993 sp.s. c5 §2.
.150 claims/defenses/venue waiverhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1502012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15.
.151 federal disclosure conditionhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1511984 c280 §8; 1981 c77 §9. Federal body not read.
.152 declaratory actionhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1522012 c117 §173; 1967 c234 §11.
.154 cancellationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1542021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12.
.156 deferralhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1561967 c234 §13; complete erroneous-reference note read.
.158 refinancinghttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1582012 c117 §175; 1967 c234 §14.
.159 oversized installmenthttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1591967 c234 §15.
.160 nonwaiverhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1601984 c280 §9; 1963 c236 §16.
.165 financial-institution cardshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1651984 c280 §10; 1981 c77 §10.
.167 card creditshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1671989 c11 §24; 1984 c280 §11.
.170 criminal texthttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1701963 c236 §17; general sentencing incorporation held.
.175 1993 remedial applicationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1751993 sp.s. c5 §3.
.180 civil recoveryhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1801984 c280 §12; 1967 c234 §10; 1963 c236 §18.
.190 injunctionhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.1901963 c236 §19.
.200 assurancehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.2002012 c117 §176; 1963 c236 §20.
.210 order penaltyhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.2101963 c236 §21.
.220 dog/cat purchaseshttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.2202023 c208 §5.
.903 1981 application/savinghttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9031981 c77 §13. Current clause read; original act not fully read.
.910 short titlehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9101963 c236 §24.
.920 original effective datehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9201963 c236 §25. Read; no historical transaction application made.
.921 1967 saving/effecthttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9211967 c234 §17.
.922 1993 applicationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9221993 sp.s. c5 §4.
.924 1995 applicationhttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9241995 c249 §2.
.925 1995 savinghttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9251995 c249 §3.
.926 1995 effective datehttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.9261995 c249 §5.
Source links captured in this table

Captured table 10

Source ID · Issuer / instrument and literal HTTPS URLs · Actual read extent, credit, status, and limitation · 14 data rows

Source IDIssuer / instrument and literal HTTPS URLsActual read extent, credit, status, and limitation
S_WA-P11-S002Legislature, RCW 19.52: https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100; https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true; https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report.
S_WA-P11-S003Legislature, Consumer Leases definition: https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded.
S_WA-P11-S004Legislature, Lease-Purchase definitions/application: https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010; https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read.
S_WA-P11-S005Legislature, Vehicle Dealers: https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized.
S_WA-P11-S006Legislature, EMS fee: https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only.
S_WA-P11-S007Legislature, EMS distribution: https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only.
S_WA-P11-S008Legislature, brand-owner practices: https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report.
S_WA-P11-S009Legislature, insurance-holding-company control: https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005; https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only.
S_WA-P11-S010Legislature, GAP waivers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed.
S_WA-P11-S011DOL, WAC 308-66-152: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed.
S_WA-P11-S012OIC, WAC 284-160: https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=trueComplete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings.
S_WA-P11-S013Legislature, UCC general provisions: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101.
S_WA-P11-S014Legislature, UCC sales scope: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held.
S_WA-P11-S015Legislature, OIC powers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=trueComplete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies.
Source links captured in this table

Captured table 11

Source ID · Title / literal HTTPS URL · Actual read bounds, status, and effective/application significance · 30 data rows

Source IDTitle / literal HTTPS URLActual read bounds, status, and effective/application significance
S_WA-P11-S0161992 c193: https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text.
S_WA-P11-S0171995 c249: https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision.
S_WA-P11-S0181993 sp.s. c5: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application.
S_WA-P11-S0191967 c234: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12§5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act.
S_WA-P11-S0201993 c481: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording.
S_WA-P11-S0212010 c161: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238§509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages.
S_WA-P11-S0222021 c201: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed.
S_WA-P11-S0232020 c174: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2§1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008.
S_WA-P11-S0242022 c182: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read.
S_WA-P11-S0252017 c41: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1§1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately.
S_WA-P11-S0262006 c289: https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed.
S_WA-P11-S0272016 sp.s. c16: https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records.
S_WA-P11-S0282019 c340: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2§2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation.
S_WA-P11-S0292023 c208: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed.
S_WA-P11-S0302009 c334: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading.
S_WA-P11-S0312025 c68: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1§1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held.
S_WA-P11-S0322025 c243: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling.
S_WA-P11-S0332025 c399: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated.
S_WA-P11-S0342012 c214: https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803§123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded.
S_WA-P11-S0352023 c266: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read.
S_WA-P11-S0361989 c20: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption.
S_WA-P11-S037Legislature, current telephone definitions: https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held.
S_WA-P11-S0382026 c186: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission.
S_WA-P11-S0392025 c228: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision future January 1, 2029.
S_WA-P11-S040DOL permanent order WSR 15-16-125: https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htmFull adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text.
S_WA-P11-S041DOL withdrawal WSR 25-13-085: https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htmComplete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on.
S_WA-P11-S042OIC permanent order WSR 10-02-111: https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htmComplete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved.
S_WA-P11-S043Legislature, 2025 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdfRelevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only.
S_WA-P11-S044Legislature, 2026 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdfRelevant searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee.
S_WA-P11-S045Legislature, 2010 technical/effective notes: https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here.
Source links captured in this table

Captured table 12

Branch ID · Supported conditional consequence · Missing predicate / adverse inference to avoid · 30 data rows

Branch IDSupported conditional consequenceMissing predicate / adverse inference to avoidExact next generic authority inquiry
B001Chapter 63.14 can apply when its goods/services, purpose, actor, payment, and territorial definitions all fit.Mixed purpose, nonbusiness seller, or territorial nexus cannot be invented.Complete statutory/judicial construction of .010’s purpose and “entered into or performed” language in a separately authorized construction pass. C001–C006.
B002Qualifying sales receive the stated chapter 19.52 exclusions.Purchase-related use of loan proceeds alone does not prove a credit sale.Generic sale-versus-loan construction of 19.52.100/.120 and 63.14.010; lender-law dependencies separately. C010.
B003Vehicle overlays apply to their defined actors/activities.Dealer exclusions are activity-specific; title or institutional status is unestablished.Complete incorporated generic title/equipment/licensing/housing definitions only if needed for the particular legal category; no records or rosters.
B004Lease-shaped ownership arrangements may be retail contracts; qualifying leases/rent-to-own use separate regimes.The reciprocal exclusions and substantive ownership conditions cannot be resolved by a “lease” label.Full chapters 63.10 and 63.19, relevant UCC lease/security classification, and their material enactment transitions. C006–C008.
B005Written, signed, complete agreement/copy requirements govern subject to stated exceptions.A retrievable record is not automatically proof of valid electronic signature, delivery, or consent.RCW 1.80 and applicable federal electronic-record/signature scope and consumer-consent provisions; no actual document examination. C013–C020.
B006Current service-charge limits refer to agreement and disclosure.No agreement-based unlimited-charge or universal federal-preemption conclusion.Full applicable federal creditor/preemption and TILA classification in a later federal pass; state unconscionability construction remains held. C025–C028, C055.
B007Particular additional fees may be permitted under their own conditions.Exclusion from “service charge” is not authorization; sale-price categories do not prove a lawful charge or permit double counting.Generic construction of .010/.040/.090/.130/.140 and each exact additional-charge statute.
B008The narrow .090(3) formula controls only its stated account and timing branch.Do not apply it to every late installment, infer a ten-day grace period, or treat its absence as unlimited permission.Construction of the unusual receipt/overdue language, retaining the verified 1993 original. C029.
B009Section .080 supplies state prepayment/refund relations.Original charge below minimum-earned tier; termination/forfeiture; federal constraints; no invented negative credit or extra fee.Generic construction of .080 with .130; complete applicable federal prepayment authority, including 15 U.S.C. §1615 and implementing provisions, before any combined conclusion. C036–C037.
B010Deferral requires agreement, acknowledgment, and a bounded amount/interval.Obsolete .130 subdivisions prevent a verified exact present cap.Formal legislative reconciliation or authorized judicial construction of .156, its reviser note, 1967 §13, and 1992/1995 changes. C038.
B011Refinancing expressly excludes minimum-earned retention from its prepayment-equivalent credit.Obsolete .080(1)(d) citation and any competing interpretation remain unresolved.Generic construction of .158’s cross-reference while preserving its complete substantive sentence. C039.
B012Qualifying off-premises cancellation has the statutory procedure and refund consequences.Historical telephone-definition incorporation; no universal remote-sale or motor-vehicle cooling-off right.Resolve incorporation of 1989 c20 §3 versus current 19.158.020; separately examine any federal cooling-off rule with complete scope/exclusions. C043–C046.
B013Oversized-installment default may trigger rescheduling.Seasonal/irregular-payment exception and “substantially greater” remain predicates/standards.Generic construction of .159; do not substitute an invented numerical cap. C040.
B014Bushing requires timely acceptance or rejection/tender under the stated branch.This is a dealer obligation, not a general buyer cancellation option; no actual acceptance, misrepresentation, or communication established.Complete construction of .180(4), relevant 2006 application, and communication boundary if separately authorized. C047–C050.
B015Consolidation has special allocations when retained security exists.No security validity, collateral release, default, or repossession permission follows.Exact Article9 interface and any relevant sale-law construction; no reuse of unreviewed P10 merits. C041.
B016Insecurity acceleration is bounded by UCC good faith where the UCC applies.Scope, hybrid predominance, contractual trigger, impairment, and burden satisfaction are absent.Full indispensable Article2/default/remedy provisions and applicable state consumer-credit rules; judicial construction separately held. C052.
B017Sale-related claims/defenses cannot be contractually waived as specified.Defense preservation does not establish an affirmative recovery amount against every assignee.Complete state assignee/remedy construction and separately scoped FTC Holder Rule inquiry. C011, C013, C053–C054.
B018Proven chapter violations may invoke specified charge forfeiture/recovery.Error exception, charge classification, causation, party liability, award, offset, and remedy combination unestablished.Full generic construction of .175/.180; CPA and other remedy stacking remain separate. C056–C058.
B019The identified statutory actions contain their own timing provisions.No actual accrual, tolling, filing deadline, or transfer to other causes of action.Exact action-specific construction of .152 and 46.70.190; P3 is not a premise. C059, C063.
B020Section .170 supplies criminal text.Its stated figures cannot be presented as a complete modern sentencing result.Complete RCW 9A.20 classification/penalty incorporation and any applicable savings provisions; criminal application otherwise excluded. C060.
B021GAP consumer clauses apply within chapter scope or the specified voluntary election.Exempt institutional status and the scope of federal Part 37/NCUA provisions remain unverified.Complete 48.160.001 incorporations, exact election effect, and relevant federal definitions/exclusions. C065.
B022GAP’s separate-cost treatment depends on federal conformity.State wording is not an independent TILA finance-charge determination.Complete relevant TILA/Regulation Z definitions, exclusions, disclosure and optional-product predicates. C067.
B023GAP refund, current-obligor payment, and balance-credit duties operate when their predicates are met.Post-free-look refund is not automatically due; terms, benefit history, financing, request, and termination predicates absent.Generic construction of .050/.060 and WAC -080; no private waiver or payment history sought. C068–C072.
B024State disclosure safe harbor depends on federal law in force at execution.Federal currentness, creditor coverage, transaction exemptions, and execution-date law are unexamined.TILA/Regulation Z scope and versions; FTC Holder/cooling-off, MLA/SCRA, bankruptcy, reporting and collection regimes separately. C024.
B025Current statutes and identified transitions support present text reporting.Historical agreements cannot automatically receive current terms; no proof of no later uncodified amendment.Event-specific generic enactment chain, unresolved original 1981/1984/other historical acts, and later official legislative checks. C075–C080.
B026Current DOL/OIC rules apply within their delegated subjects.Withdrawn proposals are not operative; OIC January 1–5, 2010 historical interval unresolved.Exact historical emergency/permanent rule sequence only if that interval is material; no present repeal inference. C073–C074.
B027Special regimes may alter ordinary-goods analysis.Manufactured/mobile housing, agricultural/business transactions, regulated services, insurance, licensing, title, and special collateral are not completed.Their exact generic statutes/rules and cross-references; no participant or property records.
B028Dealer deposit text has specific duties and evidentiary consequences.No actual trust breach, delivery, consumer ownership, or manufactured-home rule established.Complete RCW 46.70.135(5) incorporation and applicable generic deposit/remedy construction for the special branch. C051.
B029State statutory and administrative remedies are differentiated.Public enforcement power does not itself supply every private cause, damages measure, or guaranteed relief.Full chapter 19.86 elements/remedies, OIC hearing/sanction provisions, and general procedural relationships in separate passes. C061–C064.
B030This component preserves the listed state-law distinctions.No local/tribal/interstate, disability/discrimination/privacy, federal-benefit, or bankruptcy conclusion is supplied.Separate generic jurisdictional and special-regime authorities; full judicial construction remains open.

Captured table 13

Analytical field · Entry · 29 data rows

Analytical fieldEntry
Governing public-law category
Relevant statutory version
Application/savings clause
Goods/services category
Purpose classification
Actor definition
Territorial predicate
Sale/loan/lease/revolving classification
Applicable exclusion
Agreement-content requirement
Signature/record requirement
Copy/delivery requirement
Statutory amount categories
Service-charge authority
Separate-charge authority
Insurance/ancillary-product authority
Payment/prepayment provision
Deferral/refinancing incorporation
Default/acceleration predicate
Cancellation provision
Assignee/holder provision
Nonwaiver provision
Remedy and error qualification
Source-stated trigger and unit
Counting-rule authority
Federal dependency
Historical-version dependency
Unresolved construction
Exact next generic authority

Captured table 14

Scope item · Status · Source / claim / branch links · 43 data rows

Scope itemStatusSource / claim / branch linksExact remaining evidence or retained boundary
1 — Governing ordinary-goods frameworkAnswered—textS001; C001–C006Actual classification excluded.
1 — Motor-vehicle overlayAnswered—textS005, S021–S025; C022–C035, C045–C051Full dealer licensing, title, and actual actor status excluded.
1 — Purpose, actor, amount, territorial scopeAnswered with construction holdsC001–C004; B001–B003Mixed purpose and territorial construction remain open.
1 — Security versus sale/loanAnswered—boundaryC005, C010–C011; B002, B015Attachment, perfection, priority, enforcement capacity excluded.
1 — Lease/consumer lease/rental-purchaseAnswered—classification gatewaysS003–S004; C006–C008Full regimes and reciprocal-exclusion construction open.
1 — Revolving/card/institution distinctionsAnswered—state textC009, C020, C027, C029, C042Federal/institutional scope held.
1 — Material enactment/applicationPartial, identifiedS016–S039; C075–C080Not every historical act independently read.
2 — Writing/signature/completionAnswered—textC013–C014Electronic-record/signature equivalence held, B005.
2 — Copy/delivery/remote exceptionsAnswered—textC015, C018–C020Actual receipt or conformity not examined.
2 — Legal amount categoriesAnswered—text/formulasC016–C017; Q004–Q006No federal amount-financed/APR equivalence.
2 — Vehicle itemization/retentionAnswered—textC022–C023; Q031–Q032No consumer record-access entitlement inferred.
2 — Prohibited terms/holder notice/nonwaiverAnswered—textC013, C053–C054Full assignee affirmative recovery and electronic delivery held.
2 — Federal disclosure incorporationPartialC024; B024Complete TILA/Regulation Z inquiry required.
3 — Current service-charge structure/historyAnswered—state textC025–C027, C076General federal/preemption/construction boundaries retained.
3 — Delinquency/default/collection feesAnswered—conditionalC028–C029; Q011No universal closed-end numerical late-fee cap established.
3 — Deferral chargesPartial—exact cap heldC038; Q021; B010Obsolete incorporated subdivisions.
3 — InsuranceAnswered—retail clause onlyC030Full insurance rating, cancellation, refund, and anti-discrimination regimes open.
3 — Vehicle documentary/administrative feesAnswered—exact statutesC031–C032Other title/registration fees excluded.
3 — Ancillary products/GAPAnswered with exclusionsC033–C035, C065–C072Institutional, federal, licensing/backing-insurance branches held.
3 — APR/rounding/discretionBoundedQ005, Q012, Q039–Q040No APR calculation or unstated rounding convention.
4 — Payment statements/card creditsAnswered—textC021, C042No universal goods-return right.
4 — Full prepayment/rebatePartial—state relation verifiedC036–C037; Q020Low-original-charge interaction and federal constraints held.
4 — Deferral/refinancingPartialC038–C039; B010–B011Exact obsolete-reference reconciliation remains.
4 — Oversized installment/consolidationAnswered—conditionalC040–C041Qualitative standards/security validity held.
4 — CancellationAnswered with telephone holdC043–C046No universal motor cancellation; other state/federal grounds not completed.
4 — Conditional vehicle acceptanceAnswered—textC047–C051No actual acceptance, tender, misrepresentation, or return determination.
4 — Default/acceleration/curePartial—narrow UCC ruleC052; B016No universal notice/cure regime; Article9 and full Article2 remedies separate.
5 — Assignment/claims/defensesAnswered—textC011, C013, C053Affirmative recovery/holder-rule construction open.
5 — Nonwaiver/unconscionabilityAnswered—textC054–C055No actual invalidity or judicial finding.
5 — Error/charge forfeiture/recoveryAnswered—conditional formulaC056–C058; Q034Liability, offset, stacking, award and causation held.
5 — Action-specific timingAnswered—text onlyC059, C063; Q033, Q037No P3 rerun, actual deadline, or tolling analysis.
5 — Public enforcement/penaltiesAnswered with sentencing holdC060–C064General criminal sentencing, full CPA and agency hearing process open.
6 — True leases/rental-purchase/housing/business/agricultureGateways only; full regimes excludedB004, B027Separate complete generic inquiries required.
6 — Licensing/title/Article9Excluded except exact interfacesB003, B015No permission, repossession, perfection, priority, or title outcome.
6 — Federal regimesHeldB021–B024TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption.
6 — Insurance/disability/privacy/local/tribal/interstateExcluded/heldB027–B030Separate scope, definitions, exceptions, and remedies required.
6 — Judicial constructionDeliberately uninvestigatedAll held branchesNo cases/opinions/dockets searched.
7 — Current operative bodies/read boundsAnswered for listed sourcesS001–S015, S037, S045Unlisted clauses are not represented as read.
7 — Material original amendments/effect/applicationSubstantially authenticated, boundedS016–S042Specific older-act and transition gaps preserved.
7 — 2023/2025/2026 and prospective changesChecked with limitsC078–C080; S031–S044Report cutoffs do not prove no later uncodified change.
7 — Failed routes/alternative accessDocumented belowFailure logRecovery closes only the exact section/order access gap.
Registry dimension 6 overallOpenThis component onlyOther secured/sector components, federal interfaces, and construction remain separate.
Earlier P1/P2 findings and all other passesUnchanged; not substantive premisesSupplied scope context onlyNo repair, acceptance, or closure implied.

Captured table 15

Read group · Actual work completed · Evidence boundary · 11 data rows

Read groupActual work completedEvidence boundary
Governing frameworkIndividually opened and read every S001 section listed in §5.1, including complete relied-on exceptions, notes, and credits.Chapter index was not substituted for bodies; .123 excluded.
Cross-regime classificationRead S002–S004 sale/usury, consumer-lease, and lease-purchase provisions.Other loans/leases/rental-purchase obligations not completed.
Vehicle overlayRead complete listed S005 sections, fees S006–S007, and secondary-product/control incorporations S008–S009.Licensing, title records, actual providers, and private policies not investigated.
Ancillary GAPRead complete listed S010 provisions, current WAC chapter S012, OIC rule authority S015, and permanent order S042.No actual waiver, insurer, assignee, registration, or eligibility examined.
Default boundaryRead selected complete UCC scope/definition/acceleration clauses in S013–S014 and material transition originals S034–S035.Full Article2/Article9, attached-property incorporation, and judicial construction held.
Charge historyRead S016–S020, selected S021, and current application/savings clauses.Historical rates were not applied as current law.
Motor amendmentsRead material original clauses in S022–S029 and S031, with effective/application texts identified in the register.Other portions of those enactments were not represented as completed.
2025/2026 changesRead S032–S033, S038–S039, relevant affected-section entries S043–S044, and present codification.Negative index searches are limited evidence.
Rule statusRead current DOL rule, its permanent adoption, filing history, and actual withdrawal notice S040–S041.Proposed 2025 body not read or applied.
Telephone incorporationRead original 1989 §3 definitions/exclusions and amendment/effective clauses; read complete current 19.158.020.Incorporation issue remains held.
Final verificationReopened complete .080, .090, .180, .158, .010, .040, .130, .154, .120, .165, .156, .043, .140, .152, .110, .020, .150, .167; relevant vehicle/GAP/lease/usury clauses; complete DOL rule continuations.These are verification reads of the same instruments, not independent corroboration.

Captured table 16

Search group · Queries used · 8 data rows

Search groupQueries used
Governing statutessite:app.leg.wa.gov/rcw "63.14" "retail installment"; site:app.leg.wa.gov/rcw "motor vehicle" "retail installment contract"; site:app.leg.wa.gov/rcw "motor vehicle" "installment sales"
Usury and default interfacessite:app.leg.wa.gov/rcw "19.52" "63.14" "shall not"; site:app.leg.wa.gov/RCW "63.14" "default" "cure"
Administrative rulessite:app.leg.wa.gov/wac "retail installment" "vehicle"; site:app.leg.wa.gov/wac "dealer" "financing" "agreement"; site:app.leg.wa.gov "63.14" "WAC"
Rule adoption/statussite:lawfilesext.leg.wa.gov "15-16-125" "308-66-152"; site:lawfilesext.leg.wa.gov/law/wsr/2010 "10-02-111"
GAPsite:app.leg.wa.gov/wac "guaranteed asset protection" waiver
Recent amendmentssite:leg.wa.gov "2026" "63.14" amendments; site:leg.wa.gov "2026" "RCW" "Sections Affected"; site:app.leg.wa.gov/rcw "63.14" "2025" "2026"
Specific discovered amendmentssite:app.leg.wa.gov/rcw "2025 c 228" "46.70"; site:lawfilesext.leg.wa.gov "2026" "Chapter 186" "motor"
In-document searchesRelevant current sections and statutory credits; affected-section reports searched for 63.14, 19.52, 46.70, 48.160, 46.96, and where relevant 48.31B; neighboring entries and report dates then read.

Captured table 17

Material / route · Treatment · 9 data rows

Material / routeTreatment
Chapter index: https://app.leg.wa.gov/RCW/default.aspx?cite=63.14Navigation only; not evidence of operative wording.
Affected-section index: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/Navigation to official 2025/2026 reports.
DOL filing index: https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152Filing entries read for discovery/status; actual adoption and withdrawal separately opened.
Historical Title 63 PDF: https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdfSearch discovery only; not opened or used as current law.
Other combined-code/archive search hitsNot relied on; no operative conclusion based on snippets or titles.
WAC 308-66-165: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165Body read; concerns renewal/reporting counts, not the requested retail-credit consumer terms. Excluded from findings.
RCW 62A.11-102: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102Body read; older transition provision, not the 2023 transition sought. Actual 2023 session-law clauses were subsequently read instead.
WSR 25-04-119 proposalIdentified through filing/withdrawal material; proposal body not read, not current law.
Incidental neighboring statutory textNot converted into coverage of taxes, mobile-home financing, securities, full licensing, or other sectors.
Source links captured in this table

Captured table 18

Failure ID · Fresh failed route · Different ordinary official route and result · 4 data rows

Failure IDFresh failed routeDifferent ordinary official route and resultRemaining limitation
F001https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120 did not return a readable body.https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true supplied complete .120(1)–(8), credits, and notes.Exact section access gap resolved; no general website-failure inference.
F002https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070 did not return a readable filing index.Ordinary official search located https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm; complete adoption/order text read.Filing-index route remains unread; current rule and identified adoption were authenticated separately.
F003https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060 did not return a readable section body.https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true supplied complete .060(1)–(7).Exact operative-section gap resolved only.
F004 — presentation, not site failureSome long results initially stopped before the end of the relevant body.Targeted continuations exposed the missing relied-on paragraphs.Output truncation was not described as statutory absence or public-site inaccessibility.
Source links captured in this table

Find the assertion and its boundaries

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 →
S_WA-P11-C001 Saved research record

Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(2), (16); S021 §1152. Text verified. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C002 Saved research record

“Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(6), (9), (13). Text verified; purpose remains indispensable.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C003 Saved research record

The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C004 Saved research record

A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(12); S018 §1. Text verified. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C005 Saved research record

A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C006 Saved research record

A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C007 Saved research record

The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C008 Saved research record

Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2).

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S004 .010 and .020, complete. Full rental-purchase obligations excluded. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C009 Saved research record

Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C010 Saved research record

RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C011 Saved research record

Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C012 Saved research record

Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. app.leg.wa.gov +1

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C013 Saved research record

A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C014 Saved research record

The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C015 Saved research record

The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .030, complete. Text verified; this is not a general declaration that the transaction is void.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C016 Saved research record

The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C017 Saved research record

The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C018 Saved research record

The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .060, complete. It is not a blanket remote-sale exemption.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C019 Saved research record

A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .050; .110(1), complete. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C020 Saved research record

Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C021 Saved research record

Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .100, complete. No response-day deadline was supplied by this section.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C022 Saved research record

For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S005 .130(1)–(2), complete. No title application or transaction document examined.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C023 Saved research record

Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S005 .120, complete; S027 §1. Q031 gives exact periods.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C024 Saved research record

Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .151, complete. Federal incorporation held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C025 Saved research record

The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [3], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C026 Saved research record

The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [0, 3], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C027 Saved research record

For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [3], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C028 Saved research record

Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [2], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C029 Saved research record

The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [2], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C030 Saved research record

Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C031 Saved research record

A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [14], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C032 Saved research record

The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C033 Saved research record

A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C034 Saved research record

The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C035 Saved research record

A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted for consideration by an applied-to lender, except lenders both licensed and regulated under chapter 31.04.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .043(1), complete. This is not mandatory credit approval or proof of conformity.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C036 Saved research record

Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [1], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C037 Saved research record

The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [1], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C038 Saved research record

An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .156, complete; S019 §§8, 13; S016. Exact current incorporated cap held. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [6], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C039 Saved research record

Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit without minimum-earned retention; the rate refers to .130. Consolidation invokes .110.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [7], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C040 Saved research record

When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .159, complete. No numerical substitute for “substantially greater.”

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C041 Saved research record

Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .110(2)(a)–(c), including final exception. Q024. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C042 Saved research record

When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .167(1)–(4), complete. This does not create a general right to return goods. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C043 Saved research record

For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [5], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C044 Saved research record

Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .154(2), complete. Not a rule for every cancellation or prepayment. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [5], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C045 Saved research record

Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [5], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C046 Saved research record

The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S036 §3, §18; S037 .020. Construction held, not a universal telephone-sale right.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [5], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C047 Saved research record

For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [15], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C048 Saved research record

Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [15], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C049 Saved research record

The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [15], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C050 Saved research record

Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [15], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C051 Saved research record

The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [16], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C052 Saved research record

For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C053 Saved research record

A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [4], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C054 Saved research record

A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .160, complete. No broader post-dispute waiver conclusion supplied.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [8], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C055 Saved research record

On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .136; S017 §4, complete. No actual unconscionability finding.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C056 Saved research record

Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .180 first sentence, complete. This is not automatic erasure of every obligation. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [9], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C057 Saved research record

Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [9], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C058 Saved research record

The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .175, .922; S018 §§3–5. Full historical judicial construction held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C059 Saved research record

The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C060 Saved research record

Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .170, complete. General criminal classification/sentencing incorporation not completed; Q035 reports section text, not an exhaustive current sentencing conclusion.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C061 Saved research record

The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C062 Saved research record

Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .210, complete. No automatic private award.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C063 Saved research record

RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C064 Saved research record

Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S005 .270, .310, .180(5). Full CPA and criminal regimes held.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C065 Saved research record

Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C066 Saved research record

A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .010, complete. It is not a blanket insurance or retail-sale classification.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [10], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C067 Saved research record

GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .030(1)–(6), complete. Federal classification held. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [11], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C068 Saved research record

GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [12], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C069 Saved research record

The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [11], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C070 Saved research record

Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .060(1)–(2), complete. No universal automatic post-free-look refund. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [13], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C071 Saved research record

A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure.

Recorded check status: selected current text portions supported original history otherclauses construction application held

Sources and exact pinpoints; confidence
S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [12, 13], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C072 Saved research record

When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S012 -080, -090, complete; -020 definitions. Q019.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C073 Saved research record

The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S011; S040; S041. Proposal text not relied on as law.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C074 Saved research record

The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C075 Saved research record

The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C076 Saved research record

The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C077 Saved research record

The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S022 §§2–3 and certified header; S024 §211(2), §511.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C078 Saved research record

Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C079 Saved research record

The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C080 Saved research record

Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding.

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}
S_WA-P11-C081 Saved research record

DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling.

Recorded check status: whole text reviewed source assertion not freshly verified

Sources and exact pinpoints; confidence
S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. app.leg.wa.gov

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_body_scope_indices": [], "full_claim_primary_accepted": false, "all_original_conditions_holds_andhistory_retained": true, "material_findings": [], "correction_sent": false}

Sources, 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.

S_WA-P11-S001 Saved research record

5.1 Current codified chapter 63.14 — S_WA-P11-S001 Issuer: Washington Legislature / Code Reviser. Instrument: Chapter 63.14 RCW, Retail Installment Sales of Goods and Services. Status/access: Public current codification read October 28, 2026. Each listed operative section was read in full, with displayed credits and notes; the chapter index was discovery only. Section .123 was not read or relied upon because its privacy subject is outside this component. The table records the latest displayed credit and material earlier credits used for this pass; it does not claim that every historical amending act was independently read. Exact section / use Literal HTTPS URL Displayed credit / reading qualification .010 definitions https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010 2010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read. .020 document, note, signature https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020 1967 c234 §1; 1963 c236 §2. Complete. .030 copy https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030 2012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3. .040 contents/notices https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040 2021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated. .043 vehicle contracts/products https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043 2020 c174 §2; 2006 c288 §1. .050 multipurchase documents https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050 1963 c236 §5. .060 mail/telephone orders https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060 2012 c117 §168; 1967 c234 §4; 1963 c236 §6. .070 blanks https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070 1963 c236 §7. .080 prepayment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080 2012 c117 §169; 1967 c234 §5; 1963 c236 §8. .090 delinquency/collection https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090 1993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections. .100 receipts/statements https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100 1963 c236 §10. .110 consolidation https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110 2012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11. .120 revolving/card information https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120 1984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions. .125 card security restriction https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125 1984 c280 §4. .127 dog/cat collateral https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127 2019 c340 §2. .130 service charges https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130 2010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read. .136 unconscionability https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136 1995 c249 §4; renumbering note read. .140 insurance https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140 2012 c117 §171; 1984 c280 §6; 1963 c236 §14. .145 assignment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145 1993 sp.s. c5 §2. .150 claims/defenses/venue waiver https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150 2012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15. .151 federal disclosure condition https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151 1984 c280 §8; 1981 c77 §9. Federal body not read. .152 declaratory action https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152 2012 c117 §173; 1967 c234 §11. .154 cancellation https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154 2021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12. .156 deferral https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156 1967 c234 §13; complete erroneous-reference note read. .158 refinancing https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158 2012 c117 §175; 1967 c234 §14. .159 oversized installment https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159 1967 c234 §15. .160 nonwaiver https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160 1984 c280 §9; 1963 c236 §16. .165 financial-institution cards https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165 1984 c280 §10; 1981 c77 §10. .167 card credits https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167 1989 c11 §24; 1984 c280 §11. .170 criminal text https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170 1963 c236 §17; general sentencing incorporation held. .175 1993 remedial application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175 1993 sp.s. c5 §3. .180 civil recovery https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180 1984 c280 §12; 1967 c234 §10; 1963 c236 §18. .190 injunction https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190 1963 c236 §19. .200 assurance https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200 2012 c117 §176; 1963 c236 §20. .210 order penalty https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210 1963 c236 §21. .220 dog/cat purchases https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220 2023 c208 §5. .903 1981 application/saving https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903 1981 c77 §13. Current clause read; original act not fully read. .910 short title https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910 1963 c236 §24. .920 original effective date https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920 1963 c236 §25. Read; no historical transaction application made. .921 1967 saving/effect https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921 1967 c234 §17. .922 1993 application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922 1993 sp.s. c5 §4. .924 1995 application https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924 1995 c249 §2. .925 1995 saving https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925 1995 c249 §3. .926 1995 effective date https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926 1995 c249 §5.

Recorded check status: selected current portions checked group not wholly reverified

Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925
https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0, 1, 2, 3, 4, 5, 6, 7, 8, 9], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S002 Saved research record

Legislature, RCW 19.52: https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100; https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true; https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100
https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true
https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130
https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100&utm_source=chatgpt.com
https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S003 Saved research record

Legislature, Consumer Leases definition: https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020
https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S004 Saved research record

Legislature, Lease-Purchase definitions/application: https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010; https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010
https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020
https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S005 Saved research record

Legislature, Vehicle Dealers: https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360

Recorded check status: selected current portions checked group not wholly reverified

Actual read extent, credit, status, and limitation
Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [14, 15, 16], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S006 Saved research record

Legislature, EMS fee: https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110
https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S007 Saved research record

Legislature, EMS distribution: https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440
https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S008 Saved research record

Legislature, brand-owner practices: https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196
https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S009 Saved research record

Legislature, insurance-holding-company control: https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005; https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005
https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025
https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S010 Saved research record

Legislature, GAP waivers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900

Recorded check status: selected current portions checked group not wholly reverified

Actual read extent, credit, status, and limitation
Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [10, 11, 12, 13], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S011 Saved research record

DOL, WAC 308-66-152: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed.
Direct source URLs
https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152
https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S012 Saved research record

OIC, WAC 284-160: https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings.
Direct source URLs
https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true
https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S013 Saved research record

Legislature, UCC general provisions: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S014 Saved research record

Legislature, UCC sales scope: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S015 Saved research record

Legislature, OIC powers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true

Recorded check status: dated researcher source record not freshly reopened

Actual read extent, credit, status, and limitation
Complete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true
https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S016 Saved research record

1992 c193: https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1
https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S017 Saved research record

1995 c249: https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4
https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S018 Saved research record

1993 sp.s. c5: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2
https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S019 Saved research record

1967 c234: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act.
Direct source URLs
https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12
https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S020 Saved research record

1993 c481: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1
https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S021 Saved research record

2010 c161: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238
https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S022 Saved research record

2021 c201: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S023 Saved research record

2020 c174: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2
https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S024 Saved research record

2022 c182: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S025 Saved research record

2017 c41: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1
https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S026 Saved research record

2006 c289: https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2
https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S027 Saved research record

2016 sp.s. c16: https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1
https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S028 Saved research record

2019 c340: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2
https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S029 Saved research record

2023 c208: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S030 Saved research record

2009 c334: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1
https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S031 Saved research record

2025 c68: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S032 Saved research record

2025 c243: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S033 Saved research record

2025 c399: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S034 Saved research record

2012 c214: https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
§123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803
https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S035 Saved research record

2023 c266: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S036 Saved research record

1989 c20: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption.
Direct source URLs
https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18
https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S037 Saved research record

Legislature, current telephone definitions: https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020
https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S038 Saved research record

2026 c186: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S039 Saved research record

2025 c228: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision future January 1, 2029.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S040 Saved research record

DOL permanent order WSR 15-16-125: https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Full adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text.
Direct source URLs
https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm
https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S041 Saved research record

DOL withdrawal WSR 25-13-085: https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on.
Direct source URLs
https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm
https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S042 Saved research record

OIC permanent order WSR 10-02-111: https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved.
Direct source URLs
https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm
https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S043 Saved research record

Legislature, 2025 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Relevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only.
Direct source URLs
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S044 Saved research record

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

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Relevant searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee.
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
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}
S_WA-P11-S045 Saved research record

Legislature, 2010 technical/effective notes: https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013

Recorded check status: dated researcher source record not freshly reopened

Actual read bounds, status, and effective/application significance
Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here.
Direct source URLs
https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013
https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_sourcegroup_andcurrentness_not_accepted": true, "original_access_claims_unchanged": true}

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.

coverage-1 Saved research record

1 — Governing ordinary-goods framework

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
S001; C001–C006
Exact remaining evidence or retained boundary
Actual classification excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-2 Saved research record

1 — Motor-vehicle overlay

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
S005, S021–S025; C022–C035, C045–C051
Exact remaining evidence or retained boundary
Full dealer licensing, title, and actual actor status excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-3 Saved research record

1 — Purpose, actor, amount, territorial scope

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered with construction holds
Source / claim / branch links
C001–C004; B001–B003
Exact remaining evidence or retained boundary
Mixed purpose and territorial construction remain open.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-4 Saved research record

1 — Security versus sale/loan

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—boundary
Source / claim / branch links
C005, C010–C011; B002, B015
Exact remaining evidence or retained boundary
Attachment, perfection, priority, enforcement capacity excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-5 Saved research record

1 — Lease/consumer lease/rental-purchase

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—classification gateways
Source / claim / branch links
S003–S004; C006–C008
Exact remaining evidence or retained boundary
Full regimes and reciprocal-exclusion construction open.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-6 Saved research record

1 — Revolving/card/institution distinctions

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—state text
Source / claim / branch links
C009, C020, C027, C029, C042
Exact remaining evidence or retained boundary
Federal/institutional scope held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-7 Saved research record

1 — Material enactment/application

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial, identified
Source / claim / branch links
S016–S039; C075–C080
Exact remaining evidence or retained boundary
Not every historical act independently read.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-8 Saved research record

2 — Writing/signature/completion

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C013–C014
Exact remaining evidence or retained boundary
Electronic-record/signature equivalence held, B005.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-9 Saved research record

2 — Copy/delivery/remote exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C015, C018–C020
Exact remaining evidence or retained boundary
Actual receipt or conformity not examined.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-10 Saved research record

2 — Legal amount categories

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text/formulas
Source / claim / branch links
C016–C017; Q004–Q006
Exact remaining evidence or retained boundary
No federal amount-financed/APR equivalence.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-11 Saved research record

2 — Vehicle itemization/retention

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C022–C023; Q031–Q032
Exact remaining evidence or retained boundary
No consumer record-access entitlement inferred.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-12 Saved research record

2 — Prohibited terms/holder notice/nonwaiver

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C013, C053–C054
Exact remaining evidence or retained boundary
Full assignee affirmative recovery and electronic delivery held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-13 Saved research record

2 — Federal disclosure incorporation

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial
Source / claim / branch links
C024; B024
Exact remaining evidence or retained boundary
Complete TILA/Regulation Z inquiry required.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-14 Saved research record

3 — Current service-charge structure/history

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—state text
Source / claim / branch links
C025–C027, C076
Exact remaining evidence or retained boundary
General federal/preemption/construction boundaries retained.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-15 Saved research record

3 — Delinquency/default/collection fees

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—conditional
Source / claim / branch links
C028–C029; Q011
Exact remaining evidence or retained boundary
No universal closed-end numerical late-fee cap established.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-16 Saved research record

3 — Deferral charges

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial—exact cap held
Source / claim / branch links
C038; Q021; B010
Exact remaining evidence or retained boundary
Obsolete incorporated subdivisions.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-17 Saved research record

3 — Insurance

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—retail clause only
Source / claim / branch links
C030
Exact remaining evidence or retained boundary
Full insurance rating, cancellation, refund, and anti-discrimination regimes open.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-18 Saved research record

3 — Vehicle documentary/administrative fees

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—exact statutes
Source / claim / branch links
C031–C032
Exact remaining evidence or retained boundary
Other title/registration fees excluded.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-19 Saved research record

3 — Ancillary products/GAP

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered with exclusions
Source / claim / branch links
C033–C035, C065–C072
Exact remaining evidence or retained boundary
Institutional, federal, licensing/backing-insurance branches held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-20 Saved research record

3 — APR/rounding/discretion

Recorded check status: recorded; no individual primary acceptance inferred

Status
Bounded
Source / claim / branch links
Q005, Q012, Q039–Q040
Exact remaining evidence or retained boundary
No APR calculation or unstated rounding convention.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-21 Saved research record

4 — Payment statements/card credits

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C021, C042
Exact remaining evidence or retained boundary
No universal goods-return right.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-22 Saved research record

4 — Full prepayment/rebate

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial—state relation verified
Source / claim / branch links
C036–C037; Q020
Exact remaining evidence or retained boundary
Low-original-charge interaction and federal constraints held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-23 Saved research record

4 — Deferral/refinancing

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial
Source / claim / branch links
C038–C039; B010–B011
Exact remaining evidence or retained boundary
Exact obsolete-reference reconciliation remains.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-24 Saved research record

4 — Oversized installment/consolidation

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—conditional
Source / claim / branch links
C040–C041
Exact remaining evidence or retained boundary
Qualitative standards/security validity held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-25 Saved research record

4 — Cancellation

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered with telephone hold
Source / claim / branch links
C043–C046
Exact remaining evidence or retained boundary
No universal motor cancellation; other state/federal grounds not completed.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-26 Saved research record

4 — Conditional vehicle acceptance

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C047–C051
Exact remaining evidence or retained boundary
No actual acceptance, tender, misrepresentation, or return determination.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-27 Saved research record

4 — Default/acceleration/cure

Recorded check status: recorded; no individual primary acceptance inferred

Status
Partial—narrow UCC rule
Source / claim / branch links
C052; B016
Exact remaining evidence or retained boundary
No universal notice/cure regime; Article9 and full Article2 remedies separate.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-28 Saved research record

5 — Assignment/claims/defenses

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C011, C013, C053
Exact remaining evidence or retained boundary
Affirmative recovery/holder-rule construction open.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-29 Saved research record

5 — Nonwaiver/unconscionability

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text
Source / claim / branch links
C054–C055
Exact remaining evidence or retained boundary
No actual invalidity or judicial finding.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-30 Saved research record

5 — Error/charge forfeiture/recovery

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—conditional formula
Source / claim / branch links
C056–C058; Q034
Exact remaining evidence or retained boundary
Liability, offset, stacking, award and causation held.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-31 Saved research record

5 — Action-specific timing

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered—text only
Source / claim / branch links
C059, C063; Q033, Q037
Exact remaining evidence or retained boundary
No P3 rerun, actual deadline, or tolling analysis.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-32 Saved research record

5 — Public enforcement/penalties

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered with sentencing hold
Source / claim / branch links
C060–C064
Exact remaining evidence or retained boundary
General criminal sentencing, full CPA and agency hearing process open.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-33 Saved research record

6 — True leases/rental-purchase/housing/business/agriculture

Recorded check status: recorded; no individual primary acceptance inferred

Status
Gateways only; full regimes excluded
Source / claim / branch links
B004, B027
Exact remaining evidence or retained boundary
Separate complete generic inquiries required.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-34 Saved research record

6 — Licensing/title/Article9

Recorded check status: recorded; no individual primary acceptance inferred

Status
Excluded except exact interfaces
Source / claim / branch links
B003, B015
Exact remaining evidence or retained boundary
No permission, repossession, perfection, priority, or title outcome.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-35 Saved research record

6 — Federal regimes

Recorded check status: recorded; no individual primary acceptance inferred

Status
Held
Source / claim / branch links
B021–B024
Exact remaining evidence or retained boundary
TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-36 Saved research record

6 — Insurance/disability/privacy/local/tribal/interstate

Recorded check status: recorded; no individual primary acceptance inferred

Status
Excluded/held
Source / claim / branch links
B027–B030
Exact remaining evidence or retained boundary
Separate scope, definitions, exceptions, and remedies required.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-37 Saved research record

6 — Judicial construction

Recorded check status: recorded; no individual primary acceptance inferred

Status
Deliberately uninvestigated
Source / claim / branch links
All held branches
Exact remaining evidence or retained boundary
No cases/opinions/dockets searched.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-38 Saved research record

7 — Current operative bodies/read bounds

Recorded check status: recorded; no individual primary acceptance inferred

Status
Answered for listed sources
Source / claim / branch links
S001–S015, S037, S045
Exact remaining evidence or retained boundary
Unlisted clauses are not represented as read.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-39 Saved research record

7 — Material original amendments/effect/application

Recorded check status: recorded; no individual primary acceptance inferred

Status
Substantially authenticated, bounded
Source / claim / branch links
S016–S042
Exact remaining evidence or retained boundary
Specific older-act and transition gaps preserved.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-40 Saved research record

7 — 2023/2025/2026 and prospective changes

Recorded check status: recorded; no individual primary acceptance inferred

Status
Checked with limits
Source / claim / branch links
C078–C080; S031–S044
Exact remaining evidence or retained boundary
Report cutoffs do not prove no later uncodified change.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-41 Saved research record

7 — Failed routes/alternative access

Recorded check status: recorded; no individual primary acceptance inferred

Status
Documented below
Source / claim / branch links
Failure log
Exact remaining evidence or retained boundary
Recovery closes only the exact section/order access gap.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-42 Saved research record

Registry dimension 6 overall

Recorded check status: recorded; no individual primary acceptance inferred

Status
Open
Source / claim / branch links
This component only
Exact remaining evidence or retained boundary
Other secured/sector components, federal interfaces, and construction remain separate.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}
coverage-43 Saved research record

Earlier P1/P2 findings and all other passes

Recorded check status: recorded; no individual primary acceptance inferred

Status
Unchanged; not substantive premises
Source / claim / branch links
Supplied scope context only
Exact remaining evidence or retained boundary
No repair, acceptance, or closure implied.

Recorded coordinator check boundaries

coordinator acceptance
scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained
coordinator review
{"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:16:14.133555+00:00", "source_check_record": "[internal evidence reference]", "original_status_not_upgraded": true, "all_bounds_retained": true, "state_dimension6_A066_parent_acceptance": false}

Corrections, review and scope

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 →

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

Recorded review disposition

scoped coordinator selected retailcredit review complete source history construction application parent 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-08

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

Inside: Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries · 1. Reading conventions and authority boundaries · Authority and category comparison

21 tables94 claim records27 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-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
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Original saved Markdown SHA-256: 8ce4112551caf7d93426d28319f0b089ef59ce7775e17869ba1e67bc91ac1cd0. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

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