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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Washington student-loan servicing and borrower protection

S_WA · pass-16Captured 2026-10-2818 tables · 120 claim records · 22 source recordsScoped coordinator review completed

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SettleADebt — S_WA PASS-16

Washington student-loan servicing and borrower protection

Actual public-source access: October 28, 2026, America/Los_Angeles. The research used the official legislative and administrative-code bodies and the adopted originals identified below. The RCW index displayed a July 15, 2026 compilation update; the WAC index displayed October 7, 2026. Those are publication-currentness markers, not the effective dates of individual provisions. app.leg.wa.gov+1

Washington’s general student-loan servicing framework is contained in the Consumer Loan Act, chapter 31.04 RCW, and chapter 208-620 WAC, administered by the Department of Financial Institutions (DFI). The statutory student-loan provisions distinguish servicing from origination, ownership, defaulted-loan collection, and paid third-party modification assistance. They also distinguish exemption from licensing from exclusion from the Act. Those distinctions control the findings below. app.leg.wa.gov+2

The examined state texts establish substantial payment-processing, information, fee, communication, transfer, and oversight duties. They do not, by themselves, establish eligibility for a federal repayment plan, forgiveness, discharge, cosigner release, or a particular protected-status benefit. Several rules contain narrowly worded federal-compliance alternatives; those alternatives require their own predicates and cannot be assumed from a federal-loan label.

All earlier reports, provenance, exemption findings, and holds remain unchanged. No earlier exemption definition or unreviewed sector conclusion is used as a substantive premise here.

1. Material category and authority comparisons

Category or distinction	Finding from newly read authority	Boundary retained
Student education loan	RCW 31.04.015(32) uses a personal-use, postsecondary-education/cost-of-attendance definition and includes refinancing.	It is not the private-student-debt definition used in the execution-exemption statutes.
Private versus federally connected loan	The general student-loan definition is not restricted to private loans. Particular government-originated loans, guarantors, and federal-compliance provisions have separate conditions.	A guarantee, ownership, or program label does not settle all state-law coverage or federal preemption.
Borrower and shared repayment responsibility	The definition includes a Washington resident who received or agreed to pay the loan and a person sharing repayment responsibility with that resident.	This does not itself create a cosigner-release right.
Origination versus servicing	Advancing or committing funds is distinguished from receiving/applying payments, modification-related data work, and administration or collection.	No general student-loan individual “mortgage loan originator” requirement is inferred from mortgage definitions.
Ownership versus servicing	Servicer status turns on responsibility for servicing activities, wherever the person is located.	Ownership, an assignment, or an account description does not establish actual servicing responsibility or enforcement capacity.
Defaulted-loan collection	WAC 208-620-011(14) excludes specified Washington-licensed collection agencies and attorneys when collecting student loans in default.	The default, licensing, legal-services, and bona fide-practice predicates remain necessary. Other collection law is not completed here.
Licensing exemption	RCW 31.04.420 expressly leaves specified actors subject to student-servicer requirements while excusing a license.	The exemption is not a general exemption from substantive duties.
Chapter exclusion	RCW 31.04.025(4)(a) and .905 address business conducted under, and as permitted by, specified banking and credit-union laws.	An affiliation, charter description, or marketing label does not establish the exclusion.
Borrower assistance	The student loan advocate provides assistance, complaint review/referral, education, and specified consent-based review.	Assistance is not an adjudication, approved program, stay, refund award, or discharge.
Paid third-party modification	RCW 31.04.415 establishes a separate set of restrictions, including a performance-before-compensation condition.	Its chapter 18.28 interface is identified but the earlier provider-fee disputes are not reopened.
Rule versus statute	The current WAC includes particular federal-compliance alternatives and transfer qualifications alongside the statutory duties.	No actual federal compliance, contract, director waiver, or resolution of a construction dispute is presumed.
Administrative versus private remedy	DFI powers and the Consumer Protection Act (CPA) incorporation are separately stated.	A violation, complaint, license event, or mathematical loss does not establish an actual award or debt outcome.

Prior-exemption reuse versus new evidence

Evidence category	Treatment in this pass
Earlier private-student wage, bank, and property exemptions	Scope context only. No substantive reuse or regeneration.
Earlier general court, limitation, mortgage, provider, or medical findings	Not substantive premises.
New sector evidence	The current sections, rules, and originals in the source register below.
Remaining gap	Federal program/preemption law, particular institutional programs, actual classification, judicial construction, and the expressly identified historical/incorporation gaps.

2. Source and usage register

Reading and identification conventions

S001–S022 below mean the full identifiers S_WA-P16-S001 through S_WA-P16-S022.
Source IDs identify an instrument or codified chapter. Separate section pages and alternate formats are usages of that source, not independent corroboration.
Every source listed as freshly read was accessed on October 28, 2026, America/Los_Angeles.
“Complete” means the complete identified section or subsection, including its material qualifications. It does not mean an entire title or chapter was read.
Codified HTML was read as presented on the official legislative site. Original PDFs were read through parsed text, not page pixels.
Credits below identify the latest displayed amendment relevant to the usage. A displayed credit is not treated as independently verified original history unless the adopted original is separately registered.

2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act

Chapter route: https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true

Current online codification, selected complete sections. The chapter route also supplied the successful alternate reading of §.027. The chapter was not read in its entirety.

Section and direct literal URL	Actual read extent and use	Displayed credit / history qualification
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015	Complete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions.	2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025	Complete (1)–(7), credits and application notes.	2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause.
§31.04.027 at https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true	Complete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded.	2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035	Complete section, license requirement and transaction consequences.	2024 c 249 §4; S015 application limitation is material.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045	Complete (1)–(5), notes; application, bond, alternative, waiver.	2015 c 229 §22. Earlier original history not independently completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055	Complete (1)–(2), all issuance conditions and denial/decision provisions.	2010 c 35 §4; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085	Complete section; annual assessment and continuing liability.	2010 c 35 §5; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093	Complete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits.	2018 c 62 §13; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102	Complete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure.	2018 c 62 §14; S011 read. Federal TILA incorporation not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105	Complete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces.	2015 c 229 §28. General origination/pricing and insurance regimes excluded.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125	Complete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface.	2007 c 208 §1. No general origination or prepayment calculation finding made.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143	Complete (1)–(3), credits and note.	2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145	Complete (1)–(6); examination and investigation authority.	2018 c 62 §15; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155	Complete section; records, report and late-report consequence.	2013 c 29 §8; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165	Complete section; administration, rulemaking and judicial enforcement gateway.	2018 c 62 §16; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175	Complete (1)–(2); residual offense and written-DFI-guidance good-faith qualification.	2001 c 81 §14; older original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202	Complete section; APA incorporation.	2001 c 81 §15. Full chapter 34.05 procedure held.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205	Complete section; enforcement discretion, hearing finding and cost recovery.	2015 c 229 §30; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208	Complete section; CPA incorporation and cumulative-remedy statement.	2001 c 81 §17; current CPA clauses separately read in S010.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310	Complete section; receiver gateway.	2018 c 62 §18; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400	Complete section; program/advocate fee authority.	2018 c 62 §3. Current fund-allocation incorporation not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405	Complete (1)–(8), including all response, transfer, information and waiver clauses.	2018 c 62 §6; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410	Complete section; liquidity, reserves and tangible-net-worth authority.	2018 c 62 §7; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415	Complete (1)–(3), including every listed third-party-modification restriction.	2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420	Complete (1)–(3), all licensing-exempt categories.	2018 c 62 §10; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905	Complete section; 2018 Act banking exclusion.	2018 c 62 §20; S011 read.

The central scope, conduct, duty, and licensing-consequence bodies were read directly, rather than inferred from chapter titles. app.leg.wa.gov+4

2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC

Chapter route: https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true

Current online codification; selected bodies only. “2018 order,” “2019 order,” and “2022 order” refer to S012–S014.

Rule and direct literal URL	Actual read extent / reliance	Displayed latest credit and original-status qualification
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010	Complete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim.	WSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011	Complete (1)–(14); interpretive definitions and default-collection exclusions.	WSR 18-24-013; January 1, 2019; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230	Complete rule; licensing and older refund language.	WSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250	Complete rule; location/physical-presence distinction.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251	Complete rule; out-of-state records/access and registered-agent condition.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280	Complete (1)–(3); generic application channel and responsibility.	WSR 13-24-024; January 1, 2014 as credited; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300	Complete rule; student-servicing branch-location requirement.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320	Complete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324	Complete (1)–(5), including both financial definitions.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370	Complete rule; licensing-fitness/denial interface.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430	Complete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced.	WSR 13-24-024; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442	Complete rule; assessment base, multiplier, portfolio and adjustment request.	WSR 19-21-157; November 24, 2019; S013.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490	Complete current rule read; reliance limited to (3)(f)–(g) and (6).	WSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499	Complete rule; cessation and continuing authority. Mortgage-only subsection kept separate.	WSR 18-16-024; September 1, 2018 as credited; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510	Complete selected (8)–(9); student-refinancing disclosure used.	Latest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550	Complete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay.	WSR 19-21-157; S013 complete rule read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554	Complete rule; servicing-location restrictions and permitted back-office categories.	WSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555	Complete rule; reliance on (3)(c)–(d), not mortgage/origination pricing.	WSR 19-21-157; S013 complete rule read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560	Complete current rule; reliance on (2), expressly incorporated by student-fee rule.	WSR 19-21-157; complete original (2) read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569	Complete (1)–(4), all fee conditions.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950	Complete (1)–(5), including every federal-compliance and communication qualification.	WSR 19-21-157; complete 2018 and 2019 adopted versions read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960	Complete (1)–(5), including the detailed-history and repeat-statement branches.	WSR 19-21-157; complete 2018 and 2019 adopted versions read.
§208-620-970 at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Complete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed.	WSR 18-24-013; complete adopted rule read in S012.

The principal current student-specific rules were freshly read with their qualifications, not reconstructed from agency summaries. app.leg.wa.gov+4

2.3 Other current statutes, originals, and status sources

Source ID	Issuer/title and complete literal URL	Actual read bounds, edition/status and material limitation
S_WA-P16-S003	Washington Legislature, RCW 28B.85.010, degree-granting definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010	Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed.
S_WA-P16-S004	Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020	Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1.
S_WA-P16-S005	Washington Legislature, RCW 18.16.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020	Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016.
S_WA-P16-S006	Washington Legislature, RCW 28B.07.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020	Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated.
S_WA-P16-S007	Washington Legislature, RCW 28B.10.016 and .285. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285	Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read.
S_WA-P16-S008	Washington Legislature, Student Achievement Council / advocate statutes. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010	Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded.
S_WA-P16-S009	Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090	Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read.
S_WA-P16-S010	Washington Legislature, selected CPA provisions. https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170	Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held.
S_WA-P16-S011	Washington Legislature, 2018 c 62, E2SSB 6029, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6	Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended.
S_WA-P16-S012	DFI, WSR 18-24-013, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm	Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019.
S_WA-P16-S013	DFI, WSR 19-21-157, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm	Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019.
S_WA-P16-S014	DFI, WSR 22-24-048, permanent rules. https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf	Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022.
S_WA-P16-S015	Washington Legislature, 2024 c 249, SSB 6025, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2	Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024.
S_WA-P16-S016	Washington Legislature, 2025 c 194, EHB 1874, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2	Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026.
S_WA-P16-S017	Washington Legislature, 2009 c 371, SSB 5531, adopted CPA amendment. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1	Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken.
S_WA-P16-S018	DFI, WSR 25-18-022, proposed rules. https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm	Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon.
S_WA-P16-S019	DFI, WSR 26-10-087, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm	Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice.
S_WA-P16-S020	DFI, WSR 26-18-028, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm	Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred.
S_WA-P16-S021	Code Reviser, RCW publication index. https://app.leg.wa.gov/rcw/	Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change.
S_WA-P16-S022	Code Reviser, WAC publication index. https://app.leg.wa.gov/wac/	Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication.

3. Atomic consequential claim register

All claims below are generic textual findings, conditional on the relevant scope and version predicates. “Held” identifies an unresolved legal dependency, not an adverse factual finding.

3.1 Scope, definitions and exclusions

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C001	DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing.	S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted.
S_WA-P16-C002	A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan.	S001 §.015(32); S002 §011(13).
S_WA-P16-C003	The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans.	S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis.
S_WA-P16-C004	“Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions.	S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read.
S_WA-P16-C005	The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition.	S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education.
S_WA-P16-C006	The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident.	S001 §.015(33); S002 §010(40). No separate release entitlement follows.
S_WA-P16-C007	A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower.	S001 §.015(34). Actual responsibility and nexus remain unclassified.
S_WA-P16-C008	Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition.	S001 §.015(35), (38); S002 §010(41).
S_WA-P16-C009	Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry.	S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified.
S_WA-P16-C010	The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing.	S001 §.015(18), (29); S002 §§010(26), 011(8), (11).
S_WA-P16-C011	Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location.	S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered.
S_WA-P16-C012	Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses.	S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient.
S_WA-P16-C013	The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling.	S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security.
S_WA-P16-C014	The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions.	S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity.
S_WA-P16-C015	Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements.	S001 §.420(1)(a), introductory sentence. Coverage must first exist.
S_WA-P16-C016	Persons servicing five or fewer student education loans receive the same licensing-only exemption.	S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established.
S_WA-P16-C017	Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans.	S001 §.420(1)(c).
S_WA-P16-C018	Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated.	S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency.
S_WA-P16-C019	Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply.	S001 §§.420(2), .415.
S_WA-P16-C020	The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it.	S001 §.025(6). No actual proof is evaluated.
S_WA-P16-C021	The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates.	S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established.
S_WA-P16-C022	WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question.	S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label.

The licensing-only exemptions and the default-collection exclusions are express, bounded provisions. app.leg.wa.gov+1

3.2 Licensing, financial requirements, continuation and cessation

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C023	Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out.	S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates.
S_WA-P16-C024	The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain.	S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing.
S_WA-P16-C025	The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority.	S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization.
S_WA-P16-C026	Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period.	S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004.
S_WA-P16-C027	The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework.	S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum.
S_WA-P16-C028	A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt.	S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined.
S_WA-P16-C029	A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions.	S001 §.410; S002 §324(1)(a), (5)(a).
S_WA-P16-C030	The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal.	S002 §324(1)(b), (5)(b); Q008.
S_WA-P16-C031	Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed.	S002 §324(2)–(4). An application for adjustment is not an approved adjustment.
S_WA-P16-C032	The statute authorizes program and advocate funding through specified regulatory fee categories.	S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers.
S_WA-P16-C033	The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application.	S002 §442, complete rule; formula in Q009.
S_WA-P16-C034	Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period.	S001 §§.085, .155; S002 §430 introductory paragraph and (1).
S_WA-P16-C035	Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison.	S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked.
S_WA-P16-C036	Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration.	S001 §.093(11)–(12); S002 §430(3)(b).
S_WA-P16-C037	Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements.	S002 §499(1)–(3); Q013. No surrender was performed.
S_WA-P16-C038	Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule.	S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported.
S_WA-P16-C039	Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.	S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version.
S_WA-P16-C040	The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan.	S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded.

The capital and assessment relations are regulatory conditions, not borrower fee or debt formulas. app.leg.wa.gov+2

3.3 Payment, charges, information, disputes and transfer

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C041	A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations.	S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read.
S_WA-P16-C042	The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history.	S001 §.027(2)(c). Harm and applicability are retained predicates.
S_WA-P16-C043	At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports.	S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule.
S_WA-P16-C044	Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified.	S001 §.027(2)(e)–(f).
S_WA-P16-C045	Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication.	S001 §.027(2)(h).
S_WA-P16-C046	Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate.	S001 §.027(2)(i). Whether “45” is total or additional is not resolved here.
S_WA-P16-C047	Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms.	S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred.
S_WA-P16-C048	The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception.	S002 §550(2). Recording receipt is distinct from crediting.
S_WA-P16-C049	Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification.	S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection.
S_WA-P16-C050	Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period.	S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c).
S_WA-P16-C051	Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline.	S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge.
S_WA-P16-C052	Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers.	S002 §569(1). No actual authorization or earned charge is established.
S_WA-P16-C053	A default-related service fee must be usual and customary or reasonable in light of the service provided, as the rule is written.	S002 §569(2). This wording is not silently changed to the separate third-party-modification standard.
S_WA-P16-C054	A borrower charge for a fee paid to a third party may not exceed what the servicer paid.	S002 §569(3). Actual-cost proof is not supplied.
S_WA-P16-C055	Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days.	S002 §569(4). The clause does not expressly identify a discovery-based starting date.
S_WA-P16-C056	Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification.	S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held.
S_WA-P16-C057	The incorporated dishonored-payment rule permits $25 or the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return.	S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.”
S_WA-P16-C058	The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee.	S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions.
S_WA-P16-C059	Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement.	S002 §950(2). No consent is supplied or inferred.
S_WA-P16-C060	Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days.	S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates.
S_WA-P16-C061	The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact.	S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications.
S_WA-P16-C062	Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied.	S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly.
S_WA-P16-C063	A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history.	S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain.
S_WA-P16-C064	The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month.	S001 §.405(2)(b); S002 §960(5)(b)–(c).
S_WA-P16-C065	One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements.	S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply.
S_WA-P16-C066	Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded.	S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment.
S_WA-P16-C067	The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative.	S002 §550(1). No actual payoff or date is calculated.
S_WA-P16-C068	The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions.	S002 §554, complete rule. A particular arrangement is not classified.
S_WA-P16-C069	A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties.	S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses.
S_WA-P16-C070	A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements.	S001 §.405(4)(a); S002 §970 transferring-servicer clauses.
S_WA-P16-C071	Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information.	S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved.
S_WA-P16-C072	WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority.	S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed.
S_WA-P16-C073	The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule.	S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held.

Payment receipt, crediting, information responses and advocate responses therefore have different triggers and, in some instances, different units. app.leg.wa.gov+3

3.4 Information, assistance, refinancing and protected-status boundaries

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C074	Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative.	S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties.
S_WA-P16-C075	A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it.	S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval.
S_WA-P16-C076	A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options.	S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified.
S_WA-P16-C077	Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable.	S002 §550(16). Negligence, causation and the stated harm are necessary.
S_WA-P16-C078	The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification.	S002 §950(5). No database was queried and no underlying military entitlement was determined.
S_WA-P16-C079	The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement.	Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded.
S_WA-P16-C080	Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories.	S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results.
S_WA-P16-C081	The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan.	S007 §.285; S011 §2. No actual aid package is examined.
S_WA-P16-C082	Good-faith representations under the specified institutional-information subsection receive the stated liability protection.	S007 §.285(4). This is not blanket institutional or servicer immunity.
S_WA-P16-C083	The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty.	S007 §.285(6); S011 §2.
S_WA-P16-C084	Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance.	S001 §.415(1)(a). No approved service, performance or fee is established.
S_WA-P16-C085	Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service.	S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording.
S_WA-P16-C086	They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible.	S001 §.415(1)(c). “Immediately” is not converted into an invented day count.
S_WA-P16-C087	They may not require or encourage future-rights waivers or waiver of notice before collection proceedings.	S001 §.415(2)(a), (c). Scope is the specified service relationship.
S_WA-P16-C088	The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials.	S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated.
S_WA-P16-C089	The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency.	S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component.
S_WA-P16-C090	The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit.	S008 §.007(5)–(7); S011 §1.

The newly read information and assistance provisions support process duties, not an affirmative finding that a borrower qualifies for a named federal remedy. app.leg.wa.gov+2

3.5 Supervision, remedies, nonwaiver and limits

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C091	The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance.	S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct.
S_WA-P16-C092	Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination.	S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery.
S_WA-P16-C093	Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications.	S008 §.007(5)(b), (g). No consent, record or application is supplied.
S_WA-P16-C094	DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions.	S001 §.145, complete section. No investigation of an actual actor occurred.
S_WA-P16-C095	The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation.	S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held.
S_WA-P16-C096	General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply.	S001 §.155. The separate student-request retention endpoint remains C062.
S_WA-P16-C097	Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement.	S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined.
S_WA-P16-C098	DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care.	S001 §.093(3). The ground, finding and discretion are retained.
S_WA-P16-C099	DFI may impose up to $100 per day per violation on persons within the stated scope.	S001 §.093(4). This is not an automatic private award.
S_WA-P16-C100	DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation.	S001 §.093(5). Causal and receipt predicates differ.
S_WA-P16-C101	A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision.	S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05.
S_WA-P16-C102	The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery.	S001 §.205. Full hearing procedure and merits remain held.
S_WA-P16-C103	Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract.	S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened.
S_WA-P16-C104	The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report.	S001 §.175(2). It is not generalized to all private remedies or all informal advice.
S_WA-P16-C105	The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed.	S001 §.175(1). No criminal finding is made.
S_WA-P16-C106	The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles.	S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction.
S_WA-P16-C107	Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA.	S001 §.202. Complete APA procedure is outside this pass.
S_WA-P16-C108	Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive.	S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element.
S_WA-P16-C109	The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies.	S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved.
S_WA-P16-C110	The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations.	S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined.
S_WA-P16-C111	At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions.	S001 §.027(1)(k). This is not a complete general contract-waiver survey.
S_WA-P16-C112	CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery.	S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held.

The sanction, good-faith and CPA provisions were read as separate legal routes with different predicates. app.leg.wa.gov+4

3.6 Version and application findings

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C113	The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner.	S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided.
S_WA-P16-C114	The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness.	S012 header; selected adopted bodies specified in the register.
S_WA-P16-C115	The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness.	S013 header. Current selected provisions were compared with adopted text.
S_WA-P16-C116	The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022.	S014 printed p.1 / PDF index 0; selected amended bodies only.
S_WA-P16-C117	The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date.	S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied.
S_WA-P16-C118	The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause.	S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025.
S_WA-P16-C119	The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments.	S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred.
S_WA-P16-C120	Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development.	S021–S022 and the original-history limits in S011–S020.

4. Quantity, formula, trigger and counting register

No values are substituted. Symbols below identify legal bases only. No rounding convention is invented.

Counting key: WAC 208-620-010(7) defines a business day as Monday through Friday, excluding federally recognized bank holidays. Where a statute or rule says only “days,” this register preserves that wording. A universal rule for counting the first/last day, mailing extensions, weekend rollover or electronic receipt was not established. Express calendar-day language is identified separately.

ID	Source-stated measure or relation	Base, reference event, boundary and exception	Claim/source links
Q001	Business day: Monday–Friday, excluding federally recognized bank holidays	WAC definition; no universal statutory day-counting inference.	S002 §010(7); C045–C067
Q002	Student-servicing count ≤5 loans	Licensing-only exemption; text does not resolve every aggregation/counting issue.	C016; S001 §.420(1)(b)
Q003	Prior-license lookback 5 years; specified conviction/banking-law lookback 7 years; specified unlicensed mortgage-modification history 5 years	Measured from application filing under §.055; applicant/officer/principal scope differs by clause.	C026; S001 §.055(1)(c)–(f)
Q004	Decision within 90 days	Complete application plus fees and approved bond; not an incomplete submission.	C026; S001 §.055(2)
Q005	Ordinary bond minimum $30,000; student-servicing-only rule $30,000; surety cancellation effective 45 days after director receives notice	Aggregate surety liability limited to penal sum; statutory alternative/waiver preserved.	C027; S001 §.045(4); S002 §320(6)
Q006	Outstanding debt excluding qualifying subordinated debt ≤3 × (unimpaired capital + surplus + qualifying long-term subordinated debt)	Washington-business-corporation alternative; qualifying debt initial maturity ≥7 years, remaining maturity ≥2 years.	C028; S001 §.045(4); S002 §010(28)
Q007	Tangible net worth ≥$250,000	TNW = total equity − affiliate receivables − goodwill/other intangibles − (pledged-asset carrying value net of associated liabilities).	C029; S002 §324(1)(a), (5)(a)
Q008	Liquidity ≥0.00035 × nationwide portfolio unpaid principal balance	Includes operating reserves; defined liquid assets and available committed servicing-advance lines. Director adjustment possible.	C030–C031; S002 §324
Q009	Annual assessment =0.0000384616 × adjusted total loan volume	Volume = prior-year December 31 Washington principal balance + Washington principal balance added during assessment year; includes investment-held servicing accounts. No payoff deduction or rounding rule inferred.	C033; S002 §442
Q010	Reports/assessment: March 1 or within 30 days of ceasing Washington operations	Two annual reports and assessment under the rule; statutory annual-report/assessment clauses also apply.	C034; S001 §§.085, .155; S002 §430
Q011	Statutory late report: $50/day; rule: $50 per item per day, rule maximum $5,000/reporting year	Separate statutory/rule measures; additional bond-claim consequences possible. No automatic stacking conclusion.	C035; S001 §.155; S002 §430(2)
Q012	Rule bond claim: late penalties plus greater of prior assessment, average assessment for previous 2 years, or $1,500	Triggered by failure to file/pay as specified; director “may” claim.	C035; S002 §430(3)(a)
Q013	Surrender request within 10 days; final reports/fees within 30 days of closure	Rule identifies closure/surrender and final-report events separately.	C037; S002 §499(1)–(3)
Q014	Expiration on statutory 15th day after notice, subject to receipt/opportunity; rule receipt presumption 3 days after first-class mailing	Assessment/reports and address-of-record qualifications remain; no actual expiration calculated.	C036; S001 §.093(12); S002 §430(3)(b)
Q015	Incomplete application ≥60 days plus notice and ≥20 days to complete	Discretionary denial predicate; not an automatic initial-processing deadline.	C026/C098; S001 §.093(2)(d)
Q016	Receipt recorded on day delivered during regular working hours	Any licensed location; express federal-contract-compliance exception.	C048; S002 §550(2)
Q017	Credit/treat as credited within 1 business day of receipt	Instructed address and sufficient information; scheduled accounting permits early regular payment credit no later than due date; rule federal-compliance clause.	C049
Q018	Uncredited-payment notice within 10 business days	Receipt without credit; reason/disposition and corrective information; mailing and rule alternatives preserved.	C050
Q019	Fee assessment within 45 days of incurrence; explanation ≤30 days after assessment	Distinct events; unqualified “days”; periodic-statement and consented-email provisions do not supply fee authority.	C051
Q020	Untimely fee: waive, or collected fee returned within 15 calendar days	Text does not expressly specify a discovery-date trigger; no such trigger supplied.	C055
Q021	Late penalty ≤0.10 × delinquent installment payment; delinquency ≥10 days	Applicable §.105 loan and rule terms; no interest-rate/APR equivalence or actual fee permission.	C056
Q022	Dishonored-payment fee: $25 OR actual financial-institution charge; one fee per instrument	Check, draft, ACH or other transfer within the rule; repeated presentation does not multiply the fee. No “greater of” or addition invented.	C057
Q023	Third-party fee charged ≤ actual fee paid	Servicer pass-through limitation; proof of actual payment remains necessary.	C054
Q024	Conditional simple-interest order: unpaid penalties/fees/charges → accumulated interest → principal	Separate regime/application question; not a numerical allocation or a universal student-portfolio rule.	C047/C073
Q025	Information response within 15 business days of receipt	Qualifying written request and required detail; limited rule federal-compliance alternative.	C060
Q026	Detailed response within 15 business days of receipt	Rule-designated request address and detailed-request prerequisites; rule federal qualification.	C063
Q027	History normally ≥2 years before request receipt	Shorter servicing tenure and known predecessor; older claimed balance requires history from the claimed month through request date.	C064
Q028	1 free statement annually; $30 for second and subsequent annual statements	Detailed-history branch; “annually” not converted into a rolling or calendar-year convention absent further authority.	C065
Q029	Payoff response within 7 business days after written request	Borrower of record/authorized representative; amount as of specified date; applicable federal-program alternative.	C067
Q030	Advocate communication within 15 calendar days, or shorter reasonable requested period	Communication from advocate; not borrower information-request timing.	C045
Q031	Advocate-forwarded complaint response within 15 calendar days; request for additional time under maximum 45-calendar-day wording	Reasonable/necessary explanation required; total-versus-additional construction held.	C046
Q032	Transfer notification lead time 45 ≤ lead days ≤60	Before effective transfer date; both servicers, different contents. Text not converted into an actual receipt or calendar result.	C069–C072
Q033	Repayment/forgiveness/advocate information at least once per calendar year	Free prominent website information and correspondence; rule telephone alternative separately preserved.	C074
Q034	Department-of-Defense matching monthly	Applicable entitlements/policy; federal-compliance qualification; no matching performed.	C078
Q035	General records ≥3 years after final loan entry	Distinct from the student-request endpoint; no mortgage call-recording period imported.	C096
Q036	Student-request records until paid in full, sold, or otherwise satisfied	Event-based retention; no substituted number of years.	C062
Q037	DFI federal-contract-event notice within 10 days after occurrence	Loss of qualification event or termination notification under the exact clauses.	C097
Q038	Capital reports annually or more frequently	As prescribed by director; no actual reporting schedule supplied.	C031
Q039	Administrative fine ≤$100/day/violation	Director discretion and covered-person/violation predicates.	C099
Q040	Temporary-order hearing within 14 days of receipt of request, unless APA specifies otherwise	Request-based safeguard; no universal hearing entitlement divorced from the order/APA.	C101
Q041	CPA discretionary enhancement: up to 3 times actual damages, with $25,000 increased-damage-award limit for §.020	Exact statutory concepts preserved; combined-award construction, actual damage and duplicate recovery held.	C110; S010/S017
Q042	Third-party-modification consideration only after full and complete agreed performance	No advance-fee amount is authorized; usual/customary and reasonable-total conditions remain.	C084–C085
Q043	Error fee refund: fees resulting from servicer error; administrative restitution: damage caused by violation; unlawful-fee order: fees received through violation	Different causal bases; “promptly,” “reasonable,” “usual/customary,” “immediately” have no invented numerical conversion.	C053/C066/C086/C100
Q044	Attorney fees reasonable; expenses/costs actual; wire fee requires borrower-requested transfer	No verified universal dollar ceiling or entitlement; agreement, Act and other-law predicates remain.	C052/C058
Q045	Historical/currentness dates and reporting endpoints	Complete dates and application relations are in the version table immediately below; no actual deadline calculation.	C081/C083/C090/C113–C120

Version and application quantities

Version item	Adopted/publication/effective/application relation	Status and limit
2018 c 62	Effective June 7, 2018; §21 uses final-rule adoption or January 1, 2019, whichever sooner, for specified initial DFI duties.	Adopted original read; not a current blanket exemption.
WSR 18-24-013	Adopted/filed November 27, 2018; effective January 1, 2019.	Permanent; later amendments separately applied.
WSR 19-21-157	Adopted/filed October 22, 2019; effective November 24, 2019.	Permanent; selected current provisions authenticated.
WSR 22-24-048	Adopted/filed November 30, 2022; effective December 31, 2022.	Permanent; selected bodies read.
2024 c 249	Effective June 6, 2024; prospective; older loans excluded unless renegotiated/modified after that date.	Adopted original and application clause read.
2025 c 194	Effective March 1, 2026.	Current effective date has passed; selected school-definition incorporation only.
2009 c 371	Effective July 26, 2009; application to causes accruing on/after effective date.	Application clause only; accrual/limitation analysis excluded.
Institution notices	Begin July 1, 2018; new/revised qualifying aid package triggers.	Separate from reporting sunset.
Institution reporting	Begins December 1, 2019, biannually until December 25, 2025, as text states.	Historical reporting endpoint; not an inferred repeal of individual notices.
Advocate course/report	Course establishment by October 1, 2020; specified report by December 31, 2020.	Historical establishment/report duties; continuing functions separately stated.
2025 proposal	Filed August 21, 2025; contemplated adoption date is not proof of adoption.	Proposed only for this report.
May 2026 preproposal	Filed May 6, 2026; agency explains renewed process after more than 180 days from earlier proposal.	The notice’s explanation is not a finding of formal withdrawal or general expiration law.
August 2026 preproposal	Filed August 25, 2026.	Agency-fee/assessment topic; no adopted new borrower remedy.
Compilation versus access	RCW index July 15, 2026; WAC index October 7, 2026; actual access October 28, 2026 PDT.	None is silently substituted for a clause effective date.

5. Conditional branches and exact remaining inquiries

These are legal dependency branches. They do not supply facts, recommend an action, or authorize an investigation of an actual participant.

Branch	Missing predicate	Supported consequence if predicate is established	Adverse inference avoided	Exact next generic authority inquiry
B001 — Loan category	Personal-use postsecondary loan; qualifying educational institution; exclusion status.	Apply the student-specific definition and duties according to C002–C004.	Every education-related balance is a student education loan.	RCW 31.04.015(32), WAC 208-620-011(13), and the exact institutional definition implicated.
B002 — Washington nexus	Resident/shared-responsibility definition versus general physical-presence provision.	The pertinent state scope provisions may apply.	A remote address or loan label alone settles jurisdiction/preemption.	Formal generic interpretation of §§.015(33)–(34), .025(1), and WAC 230.
B003 — Institutional receivable/refinancing	Enrollment, institution category and whether the obligation is a refinanced receivable.	The statutory exclusion or refinancing inclusion may operate.	All school balances are excluded, or every refinancing is covered on identical terms.	Reconcile §.015(32)’s complete sentence with WAC 011(13)(b); judicial construction remains outside this pass.
B004 — Banking exclusion	Business under and as permitted by the specified banking law; incorporated depository definition where relevant.	The applicable chapter/2018-Act exclusion may operate.	Affiliate status or federal involvement proves exemption.	Federal Deposit Insurance Act §3 as incorporated as of July 26, 2009, and the particular generic bank-law scope; no institution lookup.
B005 — Defaulted collection	Default, Washington collection-agency/attorney category and legal-service/practice predicates.	WAC 011(14) may exclude the activity from student-servicer status.	Any collector or attorney-connected business is exempt from all law.	Chapter 19.16 generic definitions/licensing exclusions and the precise WAC 011(14) boundary.
B006 — Licensing-only exemption	Own-school servicing, loan count, guarantor status or government origination condition.	License may be unnecessary while student-servicing requirements remain.	Exemption erases substantive duties; federal contract automatically supplies state authority.	RCW 31.04.420 and any generic class waiver under §.025(5), without provider records.
B007 — Unlicensed transaction/version	Transaction violating §.035(1), relevant loan category, issue/modification chronology and applicable version.	Current §.035’s specified consequence may apply.	Any later servicer-license lapse automatically voids a preexisting lawful loan.	§§.035, .093(10), 2024 c 249 §5 and any adopted generic clarification of the current WAC 230 wording.
B008 — Bond/capital/mixed activities	Student-only versus combined activity; qualifying corporation/debt; actual director adjustment.	The relevant bond/capital relation applies.	$30,000 is the entire financial requirement for every mixed business, or an adjustment request is approval.	Complete mixed-activity financial rules and generic waiver/alternative criteria under §§.045, .410 and WAC 320/324.
B009 — Payment intent/waterfall	Express note terms; whether the loan-making/simple-interest regime or federal program governs.	Stated intent is respected within the statutory limitation; conditional payment-order rules may apply.	Highest-interest-first, proportional allocation, or universal fees-first treatment.	§§.015(31), .027(2)(g), .125 and WAC 011(12)/950(3)(b), plus the applicable generic federal program rule if later researched.
B010 — Receipt/credit trigger	Correct address, sufficient identifying information, regular-hours delivery, accounting method and federal-compliance predicate.	Receipt-recording, crediting and notification duties arise under their distinct clauses.	Dispatch equals receipt; an uncredited payment automatically establishes default or forgiveness.	WAC 550(2), 950(3), and any generic interpretation of electronic/after-hours receipt.
B011 — Fee authority	Authorized category, loan terms, applicable statute/program and actual third-party/default service.	Only the supported fee route and ceiling are available.	A disclosure deadline or ceiling authorizes an unagreed or unlawful charge.	WAC 569 with §§.105, .405, WAC 555(3)/560(2), and applicable federal program limits.
B012 — Federal-compliance alternatives	Actual applicability and satisfaction of the federal requirement or Department of Education contract.	Only the particular rule’s alternative/deemed-compliance clause may operate.	Federal-loan status removes all state duties.	Exact federal requirements corresponding to WAC 550(1)–(2), 950(3)(b)/(5), 960(1)(b)/(5), and 970; generic waiver authority under §.405(7).
B013 — Information/dispute/refund	Qualifying written request, detail/address, error and fee causation.	Response/history/correction/refund duties apply.	A request itself stays every collection activity, deletes reporting, or cancels principal.	§§.405(1)–(2), WAC 960, and separately applicable collection/furnishing law; no actual dispute review.
B014 — Transfer	Transfer of servicing, actor role, available records, pending request and federal-contract qualification.	Actor-specific notices, processing and record-preservation duties apply.	Sale of ownership alone proves servicing transfer; a notice establishes compliance.	§.405(3)–(4), WAC 970 and generic interpretation of its “available/applicable” qualifications.
B015 — Release/discharge/forbearance	Particular loan/program and operative release, death/disability or repayment rule.	The specific program may supply substantive relief beyond information duties.	C006’s shared-responsibility definition creates release, or state informational language guarantees federal relief.	Current HEA/program provisions and, for private education credit, the relevant TILA/Regulation Z provisions; exact state program statutes separately.
B016 — Military protection	Applicable military-law entitlement and federal-compliance route.	State screening/information duties operate alongside the independently established entitlement.	A matching requirement proves an individual’s status or benefit.	Current SCRA/other applicable military provisions and state incorporation; no status query.
B017 — Federal-loan refinancing	Covered refinancing and the applicable federal rights/programs.	State loss-of-options disclosure and anti-negligent-delay duties may apply.	Disclosure proves refinancing is beneficial, permissible, or approved.	§.102(5), WAC 510(8)(b)/550(16), then current generic federal program law.
B018 — Institution information	Institution scope, enrollment, certification and new/revised loan package.	Estimated information and notice duties may arise.	Estimates are binding balances or the 2025 reporting endpoint ends all notices.	RCW 28B.10.285 and its incorporated institutional definitions; program-specific data authority remains separate.
B019 — Paid modification assistance	Compensation, agreed services, full performance and applicability of chapter 18.28.	§.415 restrictions and its conflict rule apply.	License exemption permits advance collection or reopens earlier fee conclusions as settled.	Generic §.415/chapter 18.28 interaction in its own later pass; prior P1/P2 holds preserved.
B020 — Private recovery	Business/property injury, causation, violation, defenses and court findings.	CPA remedies may be available within statutory limits.	A violation automatically yields trebling, $25,000, debt cancellation or duplicate recovery.	RCW 19.86.090/.093/.170 and permitted later judicial-construction work; no actual merits.
B021 — Cessation	Prior act, lawful preexisting contract and outstanding regulated activity.	Prior liability and statutory supervision can continue.	Surrender erases duties or proves the loan unenforceable.	§§.093(9)–(12), WAC 430/499 and applicable version.
B022 — Administrative procedure	Type of order, request, notice and APA qualification.	The specified hearing/review process applies.	Complaint filing automatically creates a stay or permanent sanction.	Complete pertinent chapter 34.05 provisions and incorporated court process, without a proceeding or calendar.
B023 — Federal preemption and overlays	Exact actor, loan, activity and federal provision.	State and federal duties must be reconciled under that authority.	A federal label either automatically preempts or automatically preserves every state rule.	HEA preemption/servicing, CFPB/TILA, FCRA, FDCPA/Regulation F, bankruptcy and applicable federal bank law as separate generic inquiries.
B024 — Separate state education programs	Particular state program, institutional debt type or aid-disbursement arrangement.	Program-specific rules may add duties or relief.	General servicing research completes all education-credit law.	Chapters 28B.93 and relevant aid-program rules; RCW 28B.10.293 and 28B.77.270 are discovery leads, not completed findings.
B025 — Other interfaces	Insurance, privacy, disability, tax, security, local/tribal/interstate or contract rule.	A separately authenticated rule may alter the analysis.	Silence here establishes absence of protection or uniform statewide outcomes.	Exact generic statutory incorporation implicated; full title/security, privacy, insurance and local/tribal regimes remain open.
B026 — Currentness/history/construction	Later adopted law, generic waiver, complete older original or controlling construction.	A later source may qualify only the exact affected proposition.	Search failure proves no amendment or protection.	Later official WSR/adoption and session-law checks; targeted older originals; judicial construction reserved and not searched here.

6. Wholly blank conceptual worksheet

Every entry cell is intentionally blank.

Analytical field	Entry
Governing statutory definition
Relevant rule definition
Educational-institution category
Territorial predicate
Actor role
Loan category
Exclusion provision
Licensing-exemption provision
Substantive-duty scope
Applicable version
Adopted effective/application clause
Payment-receipt provision
Payment-application provision
Fee-authorization provision
Information-request provision
Transfer provision
Federal incorporation requiring research
State-program dependency
Remedy provision
Required causal or knowledge predicate
Source and exact pinpoint
Unresolved generic authority

7. Granular scope coverage and retained boundaries

“Answered” means the specified public text was authenticated, not that an actual legal classification or outcome was resolved.

Scope item	Disposition	Source/claim/branch links	Exact remaining boundary
1 — Governing state framework/department	Answered—text	S001–S002; C001	Actual actor status and preemption open.
1 — Student education loan/purpose/refinancing	Answered—text	C002–C003; B001	Particular obligation classification absent.
1 — Private-loan terminology	Answered—definition separation	C002–C003; B015/B023	No transplantation of execution definitions; federal private-education definition not completed.
1 — Borrower/shared responsibility	Answered—text	C006; B002/B015	No cosigner-release entitlement inferred.
1 — Educational definitions	Answered—incorporated state bodies	S003–S007; C004–C005	Older historical application chains partly held; no institution lookup.
1 — Enrolled receivables/refinancing	Partial—wording interaction	C022; B003	Formal construction of statute/rule relationship.
1 — Resident/remote/physical-presence nexus	Answered—text; application held	C007/C011; B002	Actual nexus and jurisdiction not reconstructed.
1 — Originator/owner/servicer/collector	Answered—role separation	C008–C010/C014	Collection-law classification and ownership proof remain separate.
1 — Exclusions/exemptions	Answered—enumerated gateways	C012–C021	Other sector statutes and federal definitions are not complete classifications.
2 — License requirement and ordinary channel	Answered—text	C023–C026	DFI operational webpage failed; no actual application or status checked.
2 — Automatic/streamlined treatment	Partial—no general automatic route established in read provisions	C015–C021/C025; B006	Exact generic waiver or other authority would need authentication.
2 — Locations/out-of-state conditions	Answered—text	C024	Mortgage remote-work exceptions not generalized.
2 — Bond/capital/assessment	Answered—generic relations	C027–C033; Q005–Q009	Mixed activity and actual waiver/financial sufficiency held.
2 — Renewal/retention/expiration	Answered—text	C034–C036	Full licensing-reporting system is not reproduced.
2 — Surrender/cessation/debt validity	Answered—text; construction held	C037–C040/C103; B007/B021	Later licensing defect versus prior lawful loan unresolved.
3 — Receipt/processing/credit	Answered—distinct triggers	C048–C050	Federal compliance, address and accounting predicates unprovided.
3 — Allocation/overpayment/underpayment	Partial—controlling intent/note relation read	C047/C073; B009	No universal allocation, automatic overpayment refund or underpayment-default rule established.
3 — Fees/refunds/collection charges	Answered—bounded categories/ceilings	C051–C058/C066	Contract, actual cost, federal limits and full origination pricing excluded.
3 — Records/statements	Answered—text	C060–C065/C096	Mortgage-only record rules not transferred.
3 — Payoff/account information	Answered—text	C061/C063/C067	No actual balance, note, history or payoff examined.
3 — Errors/disputes	Answered—response/correction rules	C060/C066	No universal collection stay or furnishing outcome inferred.
3 — Communication/representative/electronic consent	Answered—text	C044–C046/C059	Authorization, verification and actual receipt remain absent.
3 — Transfers	Answered—statute/rule text; qualification held	C069–C072; B014	Federal contract and statutory/rule interaction not presumed resolved.
3 — Credit reporting/default/collection	Partial—student-specific clauses	C041–C043/C061	Full FCRA/FDCPA/collection and adjudication regimes open.
4 — Repayment/forgiveness information	Answered—information duty	C074–C075	Program eligibility/current federal terms held.
4 — Refinancing/default prevention	Answered—disclosure and delay rule	C076–C077	No advice, approval or mandatory modification inferred.
4 — Military/protected status	Partial—state screening duty	C078; B016	Underlying federal/state entitlement definitions not completed.
4 — Cosigner/death/disability/forbearance	Unresolved substantive-relief branch	C079; B015	Exact program/private-loan authorities required; no absence-of-right finding.
4 — Institutional information and advocate assistance	Answered—bounded duties	C080–C093	No actual aid or assistance approval.
5 — Examination/records	Answered—generic authority	C094–C097	Actual examination, subpoena execution and complete court-fee process excluded.
5 — Orders/license sanctions/penalties	Answered—text	C098–C102	APA, actual findings and discretion remain.
5 — Refund/restitution	Answered—separate causal bases	C055/C066/C100	No amount or actual recovery determined.
5 — Good faith/criminal boundary	Answered—express qualifications	C104–C105	No broader immunity or criminal outcome inferred.
5 — CPA/private remedy	Partial—operative incorporation and principal clauses	C108–C112; B020	Full construction, jurisdiction and duplicate-recovery issues held.
5 — Nonwaiver/contract	Answered—identified narrow clauses	C087/C111	No complete contract-enforceability survey.
6 — 2018/2019/2022 adopted originals	Answered within listed read bounds	S011–S014; C113–C116	Remaining portions/older lineage not represented as read.
6 — 2024/2025–2026 application changes	Answered within component	S015–S016; C117–C118	Historical transaction application remains unprovided.
6 — Proposed/preproposal status	Answered—status only	S018–S020; C119	Later adoption absence not certified.
6 — Federal and state program regimes	Excluded/precise dependencies	B015–B017/B023–B024	HEA, federal consumer law, bankruptcy, program relief and institutional programs open.
6 — Local/tribal/interstate/privacy/insurance/tax/security	Excluded/held	B025	No uniformity or actual applicability conclusion.
6 — Judicial construction	Excluded by owner boundary	B003/B007/B020/B026	No cases, opinions or dockets investigated.
7 — Fresh official bodies/direct URLs	Answered	S001–S022	Scope of every read identified; failures separately logged.
7 — Adopted versus current codified text	Answered with explicit gaps	Source register/version table	Older originals and later-change exhaustiveness remain held.
7 — Numerical and counting completeness	Answered for relied-on measures	Q001–Q045	No invented counting, rounding, input or calendar result.
7 — Failed routes/discovery-only material	Answered	Read/failure log below	Failure is not absence of law.
Registry dimension 6 / Washington / A066	Remain open	Entire retained-scope record	This component supplies no broader acceptance.

8. Actual read, search and failure log

This log consolidates repeated opens of the same instrument. The source register gives the complete distinct relied-on document set and exact read bounds; the entries below distinguish discovery, operative reading, status checks and failures.

8.1 Read and search log

Log ID	Work actually performed	Result and limit
L001	Public-source reading on October 28, 2026 PDT; observed research clock times included 15:23–15:45 PDT.	Access timing only; not a law’s publication or effective date.
L002	Official-source searches for Washington student education loans, servicing, chapter 31.04, WAC 208-620, licensing and advocate provisions.	Located the operative bodies in S001–S002 and S008. Search excerpts were discovery, not controlling evidence.
L003	Read current selected chapter 31.04 sections individually and, where needed, through the public full-chapter route.	Complete relied-on sections are listed in S001; ordinary origination, mortgage, reverse-mortgage and other sector bodies were not treated as student rules.
L004	Read current student-specific WAC rules and necessary general definitions, licensing, fee, record and sanction interfaces.	Complete versus selected bounds are identified in S002.
L005	Followed state educational-definition incorporations and the advocate/office/institution-notice provisions.	S003–S009; no institution, student, roster or education record investigation.
L006	Read CPA incorporation, definitions, private-action, public-interest and exemption clauses.	S010; full procedure, other regulated sectors and construction remain held.
L007	Read 2018 c 62 and 2024 c 249 adopted acts; selected 2025 school-definition act and complete 2009 CPA amendment.	S011/S015–S017. PDF evidence was parsed text, not visual page inspection.
L008	Located and read material permanent-rule originals from 2018, 2019 and 2022.	S012–S014. Alternate formats and current codifications were not counted as independent corroboration.
L009	Bounded 2025–2026 searches included student-loan amendments, WAC 208-620 permanent-rule status, the 2025 proposal and 2026 rulemaking references.	S018–S020 distinguish proposal/preproposal from adoption. Search failure does not prove no later action.
L010	Searches for generic cosigner release, death/disability and private-education-loan protection interfaces.	No universal state relief entitlement was authenticated from the examined general servicing bodies. Program-specific leads remain uncompleted.
L011	Discovery leads included chapter 28B.93 state-loan provisions, RCW 28B.10.293, RCW 28B.77.270, WAC 250-65-130 and WAC 131-36-250.	Search leads only for separate program/institutional questions; no numerical or eligibility merits taken from them.
L012	Incidental category-screening reads included mortgage-specific WAC 208-620-511, -551, -552 and -520; general licensing-fee/employment provisions -290 and -371; chapter 31.04’s animal-purchase section; and council mission text.	Not transferred into student-servicing findings. Their incidental numerical provisions are not relied upon.
L013	Reopened bounded passages where a combined output was truncated or an exact subsection needed confirmation.	These were read-extent corrections, not repeated failed access attempts. No truncated material is represented as read merely because a call returned.
L014	Read the current RCW and WAC publication paragraphs.	Actual body dates were used: July 15 and October 7, 2026. Older search metadata was not promoted over the opened body.
L015	Compared current rule language with the 2024 licensing amendment and with statutory student duties.	Exact version/qualification tensions remain B007/B012/B014, rather than being resolved through a favorable assumption.

8.2 Bounded failures and materially different routes

Failure ID	Exact attempted route / operation	Actual result	Different ordinary route and disposition
F001	https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027	Individual-section retrieval returned an inaccessible/internal-error result.	Public full-chapter route succeeded; complete §.027 and credits read. This closes only that body-access gap.
F002	https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970	Individual-section retrieval failed.	Public full-chapter route and adopted 2018 HTML supplied the complete rule. The failed route remains recorded.
F003	Find operation for §21 on the already located 2018 session-law PDF	The find operation returned an inaccessible/internal-error result.	Opening the previously retrieved PDF reference at the relevant parsed-text location succeeded. The PDF was not declared wholly unavailable.
F004	https://dfi.wa.gov/industry/student-education-loan-servicers	HTTP 403; body not read.	Current statutory licensing provisions and WAC 230/280/300 supplied the generic legal/application framework. The DFI operational webpage itself remains unread.

No identical failed route was repeatedly retried. No access-control bypass, authentication, contact or records request was used.

9. Remaining source and construction gaps

The principal unresolved matters are specific:

Federal incorporations and program predicates. The historical FDIA definition incorporated by §.015(6), applicable federal servicing programs/contracts, HEA preemption, private-education-credit law, and military entitlements were not completed. State references to those subjects are preserved as references, not federal merits findings.
Statute/rule interactions. The enrolled-receivable refinancing wording; the 2024 §.035 consequence versus older WAC 230 text; the exact operation of federal-compliance alternatives; transfer qualifications; and the 45-calendar-day advocate extension remain construction branches.
Actual authorization and classification. No provider, school, borrower, cosigner, loan, contract, exemption, waiver, federal compliance or licensing status was investigated. A current procedure does not establish actual authorization.
Historical originals. The material student-loan enactment, major student-rule orders, 2024 amendment and identified 2025/2026 incorporation were read. Some older general licensing, fee, recordkeeping and institutional-definition original chains remain uncompleted. Their current codified bodies were read, but no historical application conclusion is supplied.
Operational webpage gap. The DFI industry page remained inaccessible. Its search description was not used as a substitute for its body or for legal permission.
Separate regimes. State loan/aid programs, institutional debt and transcripts, insurance, privacy, tax, secured-collateral consequences, local/tribal/interstate law, federal collection/reporting/bankruptcy and full judicial construction remain open.

Researcher self-check — not independent review

The substantive findings above come from the newly read public authorities identified in the register. Supplied coordinator overlap metadata was used only to preserve scope.
Complete readings and selected readings are distinguished. Search results, indexes, inaccessible pages and proposed rules were not represented as completed operative authority.
Current codification, adopted original, proposal/preproposal, historical reporting endpoint and source-access date were kept separate.
The student-loan definition was not replaced with the earlier private-student execution-exemption definition.
Licensing-only exemptions were not converted into blanket substantive exemptions. Federal program references were not converted into eligibility, forgiveness, discharge or preemption findings.
Payment receipt, crediting, fee assessment, notice, information response, advocate response and transfer events were kept distinct.
Every numerical measure actually relied upon is registered, including symbolic financial relations, express inequalities, event-based limits and counting unknowns.
No actual or invented participant, financial input, medical fact, loan history, completed form, calendar result or outcome was supplied or evaluated.
No case, opinion, docket, provider record or institution-specific policy was investigated.
This pass does not close the earlier reports’ holds and does not constitute Washington, registry dimension 6, A066, parent, operational or publication acceptance.

END S_WA PASS-16.

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.

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This dated research component contains identified issues. Read the correction panel before relying on its affected passages or tables. Other findings retain their own evidence limits.

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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 distinction · Finding from newly read authority · Boundary retained · 12 data rows

Category or distinction	Finding from newly read authority	Boundary retained
Student education loan	RCW 31.04.015(32) uses a personal-use, postsecondary-education/cost-of-attendance definition and includes refinancing.	It is not the private-student-debt definition used in the execution-exemption statutes.
Private versus federally connected loan	The general student-loan definition is not restricted to private loans. Particular government-originated loans, guarantors, and federal-compliance provisions have separate conditions.	A guarantee, ownership, or program label does not settle all state-law coverage or federal preemption.
Borrower and shared repayment responsibility	The definition includes a Washington resident who received or agreed to pay the loan and a person sharing repayment responsibility with that resident.	This does not itself create a cosigner-release right.
Origination versus servicing	Advancing or committing funds is distinguished from receiving/applying payments, modification-related data work, and administration or collection.	No general student-loan individual “mortgage loan originator” requirement is inferred from mortgage definitions.
Ownership versus servicing	Servicer status turns on responsibility for servicing activities, wherever the person is located.	Ownership, an assignment, or an account description does not establish actual servicing responsibility or enforcement capacity.
Defaulted-loan collection	WAC 208-620-011(14) excludes specified Washington-licensed collection agencies and attorneys when collecting student loans in default.	The default, licensing, legal-services, and bona fide-practice predicates remain necessary. Other collection law is not completed here.
Licensing exemption	RCW 31.04.420 expressly leaves specified actors subject to student-servicer requirements while excusing a license.	The exemption is not a general exemption from substantive duties.
Chapter exclusion	RCW 31.04.025(4)(a) and .905 address business conducted under, and as permitted by, specified banking and credit-union laws.	An affiliation, charter description, or marketing label does not establish the exclusion.
Borrower assistance	The student loan advocate provides assistance, complaint review/referral, education, and specified consent-based review.	Assistance is not an adjudication, approved program, stay, refund award, or discharge.
Paid third-party modification	RCW 31.04.415 establishes a separate set of restrictions, including a performance-before-compensation condition.	Its chapter 18.28 interface is identified but the earlier provider-fee disputes are not reopened.
Rule versus statute	The current WAC includes particular federal-compliance alternatives and transfer qualifications alongside the statutory duties.	No actual federal compliance, contract, director waiver, or resolution of a construction dispute is presumed.
Administrative versus private remedy	DFI powers and the Consumer Protection Act (CPA) incorporation are separately stated.	A violation, complaint, license event, or mathematical loss does not establish an actual award or debt outcome.

Captured table 02

Evidence category · Treatment in this pass · 4 data rows

Evidence category	Treatment in this pass
Earlier private-student wage, bank, and property exemptions	Scope context only. No substantive reuse or regeneration.
Earlier general court, limitation, mortgage, provider, or medical findings	Not substantive premises.
New sector evidence	The current sections, rules, and originals in the source register below.
Remaining gap	Federal program/preemption law, particular institutional programs, actual classification, judicial construction, and the expressly identified historical/incorporation gaps.

Captured table 03

Section and direct literal URL · Actual read extent and use · Displayed credit / history qualification · 26 data rows

Section and direct literal URL	Actual read extent and use	Displayed credit / history qualification
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015	Complete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions.	2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025	Complete (1)–(7), credits and application notes.	2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause.
§31.04.027 at https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true	Complete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded.	2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035	Complete section, license requirement and transaction consequences.	2024 c 249 §4; S015 application limitation is material.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045	Complete (1)–(5), notes; application, bond, alternative, waiver.	2015 c 229 §22. Earlier original history not independently completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055	Complete (1)–(2), all issuance conditions and denial/decision provisions.	2010 c 35 §4; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085	Complete section; annual assessment and continuing liability.	2010 c 35 §5; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093	Complete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits.	2018 c 62 §13; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102	Complete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure.	2018 c 62 §14; S011 read. Federal TILA incorporation not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105	Complete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces.	2015 c 229 §28. General origination/pricing and insurance regimes excluded.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125	Complete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface.	2007 c 208 §1. No general origination or prepayment calculation finding made.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143	Complete (1)–(3), credits and note.	2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145	Complete (1)–(6); examination and investigation authority.	2018 c 62 §15; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155	Complete section; records, report and late-report consequence.	2013 c 29 §8; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165	Complete section; administration, rulemaking and judicial enforcement gateway.	2018 c 62 §16; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175	Complete (1)–(2); residual offense and written-DFI-guidance good-faith qualification.	2001 c 81 §14; older original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202	Complete section; APA incorporation.	2001 c 81 §15. Full chapter 34.05 procedure held.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205	Complete section; enforcement discretion, hearing finding and cost recovery.	2015 c 229 §30; original not independently read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208	Complete section; CPA incorporation and cumulative-remedy statement.	2001 c 81 §17; current CPA clauses separately read in S010.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310	Complete section; receiver gateway.	2018 c 62 §18; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400	Complete section; program/advocate fee authority.	2018 c 62 §3. Current fund-allocation incorporation not completed.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405	Complete (1)–(8), including all response, transfer, information and waiver clauses.	2018 c 62 §6; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410	Complete section; liquidity, reserves and tangible-net-worth authority.	2018 c 62 §7; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415	Complete (1)–(3), including every listed third-party-modification restriction.	2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420	Complete (1)–(3), all licensing-exempt categories.	2018 c 62 §10; S011 read.
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905	Complete section; 2018 Act banking exclusion.	2018 c 62 §20; S011 read.

Source links captured in this table

Captured table 04

Rule and direct literal URL · Actual read extent / reliance · Displayed latest credit and original-status qualification · 23 data rows

Rule and direct literal URL	Actual read extent / reliance	Displayed latest credit and original-status qualification
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010	Complete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim.	WSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011	Complete (1)–(14); interpretive definitions and default-collection exclusions.	WSR 18-24-013; January 1, 2019; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230	Complete rule; licensing and older refund language.	WSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250	Complete rule; location/physical-presence distinction.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251	Complete rule; out-of-state records/access and registered-agent condition.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280	Complete (1)–(3); generic application channel and responsibility.	WSR 13-24-024; January 1, 2014 as credited; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300	Complete rule; student-servicing branch-location requirement.	WSR 22-24-048; S014.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320	Complete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324	Complete (1)–(5), including both financial definitions.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370	Complete rule; licensing-fitness/denial interface.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430	Complete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced.	WSR 13-24-024; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442	Complete rule; assessment base, multiplier, portfolio and adjustment request.	WSR 19-21-157; November 24, 2019; S013.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490	Complete current rule read; reliance limited to (3)(f)–(g) and (6).	WSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499	Complete rule; cessation and continuing authority. Mortgage-only subsection kept separate.	WSR 18-16-024; September 1, 2018 as credited; original not read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510	Complete selected (8)–(9); student-refinancing disclosure used.	Latest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550	Complete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay.	WSR 19-21-157; S013 complete rule read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554	Complete rule; servicing-location restrictions and permitted back-office categories.	WSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555	Complete rule; reliance on (3)(c)–(d), not mortgage/origination pricing.	WSR 19-21-157; S013 complete rule read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560	Complete current rule; reliance on (2), expressly incorporated by student-fee rule.	WSR 19-21-157; complete original (2) read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569	Complete (1)–(4), all fee conditions.	WSR 18-24-013; S012.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950	Complete (1)–(5), including every federal-compliance and communication qualification.	WSR 19-21-157; complete 2018 and 2019 adopted versions read.
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960	Complete (1)–(5), including the detailed-history and repeat-statement branches.	WSR 19-21-157; complete 2018 and 2019 adopted versions read.
§208-620-970 at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Complete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed.	WSR 18-24-013; complete adopted rule read in S012.

Source links captured in this table

Captured table 05

Source ID · Issuer/title and complete literal URL · Actual read bounds, edition/status and material limitation · 20 data rows

Source ID	Issuer/title and complete literal URL	Actual read bounds, edition/status and material limitation
S_WA-P16-S003	Washington Legislature, RCW 28B.85.010, degree-granting definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010	Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed.
S_WA-P16-S004	Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020	Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1.
S_WA-P16-S005	Washington Legislature, RCW 18.16.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020	Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016.
S_WA-P16-S006	Washington Legislature, RCW 28B.07.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020	Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated.
S_WA-P16-S007	Washington Legislature, RCW 28B.10.016 and .285. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285	Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read.
S_WA-P16-S008	Washington Legislature, Student Achievement Council / advocate statutes. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010	Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded.
S_WA-P16-S009	Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090	Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read.
S_WA-P16-S010	Washington Legislature, selected CPA provisions. https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170	Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held.
S_WA-P16-S011	Washington Legislature, 2018 c 62, E2SSB 6029, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6	Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended.
S_WA-P16-S012	DFI, WSR 18-24-013, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm	Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019.
S_WA-P16-S013	DFI, WSR 19-21-157, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm	Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019.
S_WA-P16-S014	DFI, WSR 22-24-048, permanent rules. https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf	Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022.
S_WA-P16-S015	Washington Legislature, 2024 c 249, SSB 6025, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2	Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024.
S_WA-P16-S016	Washington Legislature, 2025 c 194, EHB 1874, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2	Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026.
S_WA-P16-S017	Washington Legislature, 2009 c 371, SSB 5531, adopted CPA amendment. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1	Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken.
S_WA-P16-S018	DFI, WSR 25-18-022, proposed rules. https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm	Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon.
S_WA-P16-S019	DFI, WSR 26-10-087, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm	Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice.
S_WA-P16-S020	DFI, WSR 26-18-028, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm	Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred.
S_WA-P16-S021	Code Reviser, RCW publication index. https://app.leg.wa.gov/rcw/	Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change.
S_WA-P16-S022	Code Reviser, WAC publication index. https://app.leg.wa.gov/wac/	Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication.

Source links captured in this table

Captured table 06

Claim ID · Precise assertion · Source/pinpoint and qualification · 22 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C001	DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing.	S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted.
S_WA-P16-C002	A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan.	S001 §.015(32); S002 §011(13).
S_WA-P16-C003	The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans.	S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis.
S_WA-P16-C004	“Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions.	S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read.
S_WA-P16-C005	The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition.	S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education.
S_WA-P16-C006	The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident.	S001 §.015(33); S002 §010(40). No separate release entitlement follows.
S_WA-P16-C007	A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower.	S001 §.015(34). Actual responsibility and nexus remain unclassified.
S_WA-P16-C008	Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition.	S001 §.015(35), (38); S002 §010(41).
S_WA-P16-C009	Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry.	S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified.
S_WA-P16-C010	The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing.	S001 §.015(18), (29); S002 §§010(26), 011(8), (11).
S_WA-P16-C011	Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location.	S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered.
S_WA-P16-C012	Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses.	S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient.
S_WA-P16-C013	The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling.	S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security.
S_WA-P16-C014	The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions.	S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity.
S_WA-P16-C015	Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements.	S001 §.420(1)(a), introductory sentence. Coverage must first exist.
S_WA-P16-C016	Persons servicing five or fewer student education loans receive the same licensing-only exemption.	S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established.
S_WA-P16-C017	Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans.	S001 §.420(1)(c).
S_WA-P16-C018	Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated.	S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency.
S_WA-P16-C019	Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply.	S001 §§.420(2), .415.
S_WA-P16-C020	The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it.	S001 §.025(6). No actual proof is evaluated.
S_WA-P16-C021	The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates.	S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established.
S_WA-P16-C022	WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question.	S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label.

Captured table 07

Claim ID · Precise assertion · Source/pinpoint and qualification · 18 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C023	Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out.	S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates.
S_WA-P16-C024	The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain.	S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing.
S_WA-P16-C025	The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority.	S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization.
S_WA-P16-C026	Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period.	S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004.
S_WA-P16-C027	The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework.	S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum.
S_WA-P16-C028	A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt.	S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined.
S_WA-P16-C029	A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions.	S001 §.410; S002 §324(1)(a), (5)(a).
S_WA-P16-C030	The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal.	S002 §324(1)(b), (5)(b); Q008.
S_WA-P16-C031	Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed.	S002 §324(2)–(4). An application for adjustment is not an approved adjustment.
S_WA-P16-C032	The statute authorizes program and advocate funding through specified regulatory fee categories.	S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers.
S_WA-P16-C033	The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application.	S002 §442, complete rule; formula in Q009.
S_WA-P16-C034	Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period.	S001 §§.085, .155; S002 §430 introductory paragraph and (1).
S_WA-P16-C035	Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison.	S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked.
S_WA-P16-C036	Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration.	S001 §.093(11)–(12); S002 §430(3)(b).
S_WA-P16-C037	Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements.	S002 §499(1)–(3); Q013. No surrender was performed.
S_WA-P16-C038	Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule.	S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported.
S_WA-P16-C039	Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.	S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version.
S_WA-P16-C040	The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan.	S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded.

Captured table 08

Claim ID · Precise assertion · Source/pinpoint and qualification · 33 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C041	A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations.	S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read.
S_WA-P16-C042	The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history.	S001 §.027(2)(c). Harm and applicability are retained predicates.
S_WA-P16-C043	At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports.	S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule.
S_WA-P16-C044	Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified.	S001 §.027(2)(e)–(f).
S_WA-P16-C045	Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication.	S001 §.027(2)(h).
S_WA-P16-C046	Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate.	S001 §.027(2)(i). Whether “45” is total or additional is not resolved here.
S_WA-P16-C047	Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms.	S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred.
S_WA-P16-C048	The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception.	S002 §550(2). Recording receipt is distinct from crediting.
S_WA-P16-C049	Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification.	S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection.
S_WA-P16-C050	Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period.	S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c).
S_WA-P16-C051	Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline.	S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge.
S_WA-P16-C052	Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers.	S002 §569(1). No actual authorization or earned charge is established.
S_WA-P16-C053	A default-related service fee must be usual and customary or reasonable in light of the service provided, as the rule is written.	S002 §569(2). This wording is not silently changed to the separate third-party-modification standard.
S_WA-P16-C054	A borrower charge for a fee paid to a third party may not exceed what the servicer paid.	S002 §569(3). Actual-cost proof is not supplied.
S_WA-P16-C055	Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days.	S002 §569(4). The clause does not expressly identify a discovery-based starting date.
S_WA-P16-C056	Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification.	S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held.
S_WA-P16-C057	The incorporated dishonored-payment rule permits $25 or the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return.	S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.”
S_WA-P16-C058	The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee.	S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions.
S_WA-P16-C059	Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement.	S002 §950(2). No consent is supplied or inferred.
S_WA-P16-C060	Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days.	S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates.
S_WA-P16-C061	The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact.	S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications.
S_WA-P16-C062	Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied.	S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly.
S_WA-P16-C063	A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history.	S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain.
S_WA-P16-C064	The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month.	S001 §.405(2)(b); S002 §960(5)(b)–(c).
S_WA-P16-C065	One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements.	S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply.
S_WA-P16-C066	Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded.	S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment.
S_WA-P16-C067	The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative.	S002 §550(1). No actual payoff or date is calculated.
S_WA-P16-C068	The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions.	S002 §554, complete rule. A particular arrangement is not classified.
S_WA-P16-C069	A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties.	S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses.
S_WA-P16-C070	A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements.	S001 §.405(4)(a); S002 §970 transferring-servicer clauses.
S_WA-P16-C071	Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information.	S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved.
S_WA-P16-C072	WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority.	S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed.
S_WA-P16-C073	The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule.	S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held.

Captured table 09

Claim ID · Precise assertion · Source/pinpoint and qualification · 17 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C074	Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative.	S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties.
S_WA-P16-C075	A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it.	S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval.
S_WA-P16-C076	A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options.	S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified.
S_WA-P16-C077	Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable.	S002 §550(16). Negligence, causation and the stated harm are necessary.
S_WA-P16-C078	The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification.	S002 §950(5). No database was queried and no underlying military entitlement was determined.
S_WA-P16-C079	The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement.	Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded.
S_WA-P16-C080	Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories.	S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results.
S_WA-P16-C081	The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan.	S007 §.285; S011 §2. No actual aid package is examined.
S_WA-P16-C082	Good-faith representations under the specified institutional-information subsection receive the stated liability protection.	S007 §.285(4). This is not blanket institutional or servicer immunity.
S_WA-P16-C083	The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty.	S007 §.285(6); S011 §2.
S_WA-P16-C084	Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance.	S001 §.415(1)(a). No approved service, performance or fee is established.
S_WA-P16-C085	Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service.	S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording.
S_WA-P16-C086	They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible.	S001 §.415(1)(c). “Immediately” is not converted into an invented day count.
S_WA-P16-C087	They may not require or encourage future-rights waivers or waiver of notice before collection proceedings.	S001 §.415(2)(a), (c). Scope is the specified service relationship.
S_WA-P16-C088	The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials.	S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated.
S_WA-P16-C089	The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency.	S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component.
S_WA-P16-C090	The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit.	S008 §.007(5)–(7); S011 §1.

Captured table 10

Claim ID · Precise assertion · Source/pinpoint and qualification · 22 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C091	The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance.	S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct.
S_WA-P16-C092	Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination.	S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery.
S_WA-P16-C093	Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications.	S008 §.007(5)(b), (g). No consent, record or application is supplied.
S_WA-P16-C094	DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions.	S001 §.145, complete section. No investigation of an actual actor occurred.
S_WA-P16-C095	The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation.	S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held.
S_WA-P16-C096	General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply.	S001 §.155. The separate student-request retention endpoint remains C062.
S_WA-P16-C097	Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement.	S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined.
S_WA-P16-C098	DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care.	S001 §.093(3). The ground, finding and discretion are retained.
S_WA-P16-C099	DFI may impose up to $100 per day per violation on persons within the stated scope.	S001 §.093(4). This is not an automatic private award.
S_WA-P16-C100	DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation.	S001 §.093(5). Causal and receipt predicates differ.
S_WA-P16-C101	A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision.	S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05.
S_WA-P16-C102	The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery.	S001 §.205. Full hearing procedure and merits remain held.
S_WA-P16-C103	Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract.	S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened.
S_WA-P16-C104	The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report.	S001 §.175(2). It is not generalized to all private remedies or all informal advice.
S_WA-P16-C105	The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed.	S001 §.175(1). No criminal finding is made.
S_WA-P16-C106	The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles.	S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction.
S_WA-P16-C107	Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA.	S001 §.202. Complete APA procedure is outside this pass.
S_WA-P16-C108	Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive.	S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element.
S_WA-P16-C109	The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies.	S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved.
S_WA-P16-C110	The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations.	S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined.
S_WA-P16-C111	At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions.	S001 §.027(1)(k). This is not a complete general contract-waiver survey.
S_WA-P16-C112	CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery.	S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held.

Captured table 11

Claim ID · Precise assertion · Source/pinpoint and qualification · 8 data rows

Claim ID	Precise assertion	Source/pinpoint and qualification
S_WA-P16-C113	The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner.	S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided.
S_WA-P16-C114	The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness.	S012 header; selected adopted bodies specified in the register.
S_WA-P16-C115	The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness.	S013 header. Current selected provisions were compared with adopted text.
S_WA-P16-C116	The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022.	S014 printed p.1 / PDF index 0; selected amended bodies only.
S_WA-P16-C117	The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date.	S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied.
S_WA-P16-C118	The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause.	S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025.
S_WA-P16-C119	The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments.	S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred.
S_WA-P16-C120	Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development.	S021–S022 and the original-history limits in S011–S020.

Captured table 12

ID · Source-stated measure or relation · Base, reference event, boundary and exception · 45 data rows

ID	Source-stated measure or relation	Base, reference event, boundary and exception	Claim/source links
Q001	Business day: Monday–Friday, excluding federally recognized bank holidays	WAC definition; no universal statutory day-counting inference.	S002 §010(7); C045–C067
Q002	Student-servicing count ≤5 loans	Licensing-only exemption; text does not resolve every aggregation/counting issue.	C016; S001 §.420(1)(b)
Q003	Prior-license lookback 5 years; specified conviction/banking-law lookback 7 years; specified unlicensed mortgage-modification history 5 years	Measured from application filing under §.055; applicant/officer/principal scope differs by clause.	C026; S001 §.055(1)(c)–(f)
Q004	Decision within 90 days	Complete application plus fees and approved bond; not an incomplete submission.	C026; S001 §.055(2)
Q005	Ordinary bond minimum $30,000; student-servicing-only rule $30,000; surety cancellation effective 45 days after director receives notice	Aggregate surety liability limited to penal sum; statutory alternative/waiver preserved.	C027; S001 §.045(4); S002 §320(6)
Q006	Outstanding debt excluding qualifying subordinated debt ≤3 × (unimpaired capital + surplus + qualifying long-term subordinated debt)	Washington-business-corporation alternative; qualifying debt initial maturity ≥7 years, remaining maturity ≥2 years.	C028; S001 §.045(4); S002 §010(28)
Q007	Tangible net worth ≥$250,000	TNW = total equity − affiliate receivables − goodwill/other intangibles − (pledged-asset carrying value net of associated liabilities).	C029; S002 §324(1)(a), (5)(a)
Q008	Liquidity ≥0.00035 × nationwide portfolio unpaid principal balance	Includes operating reserves; defined liquid assets and available committed servicing-advance lines. Director adjustment possible.	C030–C031; S002 §324
Q009	Annual assessment =0.0000384616 × adjusted total loan volume	Volume = prior-year December 31 Washington principal balance + Washington principal balance added during assessment year; includes investment-held servicing accounts. No payoff deduction or rounding rule inferred.	C033; S002 §442
Q010	Reports/assessment: March 1 or within 30 days of ceasing Washington operations	Two annual reports and assessment under the rule; statutory annual-report/assessment clauses also apply.	C034; S001 §§.085, .155; S002 §430
Q011	Statutory late report: $50/day; rule: $50 per item per day, rule maximum $5,000/reporting year	Separate statutory/rule measures; additional bond-claim consequences possible. No automatic stacking conclusion.	C035; S001 §.155; S002 §430(2)
Q012	Rule bond claim: late penalties plus greater of prior assessment, average assessment for previous 2 years, or $1,500	Triggered by failure to file/pay as specified; director “may” claim.	C035; S002 §430(3)(a)
Q013	Surrender request within 10 days; final reports/fees within 30 days of closure	Rule identifies closure/surrender and final-report events separately.	C037; S002 §499(1)–(3)
Q014	Expiration on statutory 15th day after notice, subject to receipt/opportunity; rule receipt presumption 3 days after first-class mailing	Assessment/reports and address-of-record qualifications remain; no actual expiration calculated.	C036; S001 §.093(12); S002 §430(3)(b)
Q015	Incomplete application ≥60 days plus notice and ≥20 days to complete	Discretionary denial predicate; not an automatic initial-processing deadline.	C026/C098; S001 §.093(2)(d)
Q016	Receipt recorded on day delivered during regular working hours	Any licensed location; express federal-contract-compliance exception.	C048; S002 §550(2)
Q017	Credit/treat as credited within 1 business day of receipt	Instructed address and sufficient information; scheduled accounting permits early regular payment credit no later than due date; rule federal-compliance clause.	C049
Q018	Uncredited-payment notice within 10 business days	Receipt without credit; reason/disposition and corrective information; mailing and rule alternatives preserved.	C050
Q019	Fee assessment within 45 days of incurrence; explanation ≤30 days after assessment	Distinct events; unqualified “days”; periodic-statement and consented-email provisions do not supply fee authority.	C051
Q020	Untimely fee: waive, or collected fee returned within 15 calendar days	Text does not expressly specify a discovery-date trigger; no such trigger supplied.	C055
Q021	Late penalty ≤0.10 × delinquent installment payment; delinquency ≥10 days	Applicable §.105 loan and rule terms; no interest-rate/APR equivalence or actual fee permission.	C056
Q022	Dishonored-payment fee: $25 OR actual financial-institution charge; one fee per instrument	Check, draft, ACH or other transfer within the rule; repeated presentation does not multiply the fee. No “greater of” or addition invented.	C057
Q023	Third-party fee charged ≤ actual fee paid	Servicer pass-through limitation; proof of actual payment remains necessary.	C054
Q024	Conditional simple-interest order: unpaid penalties/fees/charges → accumulated interest → principal	Separate regime/application question; not a numerical allocation or a universal student-portfolio rule.	C047/C073
Q025	Information response within 15 business days of receipt	Qualifying written request and required detail; limited rule federal-compliance alternative.	C060
Q026	Detailed response within 15 business days of receipt	Rule-designated request address and detailed-request prerequisites; rule federal qualification.	C063
Q027	History normally ≥2 years before request receipt	Shorter servicing tenure and known predecessor; older claimed balance requires history from the claimed month through request date.	C064
Q028	1 free statement annually; $30 for second and subsequent annual statements	Detailed-history branch; “annually” not converted into a rolling or calendar-year convention absent further authority.	C065
Q029	Payoff response within 7 business days after written request	Borrower of record/authorized representative; amount as of specified date; applicable federal-program alternative.	C067
Q030	Advocate communication within 15 calendar days, or shorter reasonable requested period	Communication from advocate; not borrower information-request timing.	C045
Q031	Advocate-forwarded complaint response within 15 calendar days; request for additional time under maximum 45-calendar-day wording	Reasonable/necessary explanation required; total-versus-additional construction held.	C046
Q032	Transfer notification lead time 45 ≤ lead days ≤60	Before effective transfer date; both servicers, different contents. Text not converted into an actual receipt or calendar result.	C069–C072
Q033	Repayment/forgiveness/advocate information at least once per calendar year	Free prominent website information and correspondence; rule telephone alternative separately preserved.	C074
Q034	Department-of-Defense matching monthly	Applicable entitlements/policy; federal-compliance qualification; no matching performed.	C078
Q035	General records ≥3 years after final loan entry	Distinct from the student-request endpoint; no mortgage call-recording period imported.	C096
Q036	Student-request records until paid in full, sold, or otherwise satisfied	Event-based retention; no substituted number of years.	C062
Q037	DFI federal-contract-event notice within 10 days after occurrence	Loss of qualification event or termination notification under the exact clauses.	C097
Q038	Capital reports annually or more frequently	As prescribed by director; no actual reporting schedule supplied.	C031
Q039	Administrative fine ≤$100/day/violation	Director discretion and covered-person/violation predicates.	C099
Q040	Temporary-order hearing within 14 days of receipt of request, unless APA specifies otherwise	Request-based safeguard; no universal hearing entitlement divorced from the order/APA.	C101
Q041	CPA discretionary enhancement: up to 3 times actual damages, with $25,000 increased-damage-award limit for §.020	Exact statutory concepts preserved; combined-award construction, actual damage and duplicate recovery held.	C110; S010/S017
Q042	Third-party-modification consideration only after full and complete agreed performance	No advance-fee amount is authorized; usual/customary and reasonable-total conditions remain.	C084–C085
Q043	Error fee refund: fees resulting from servicer error; administrative restitution: damage caused by violation; unlawful-fee order: fees received through violation	Different causal bases; “promptly,” “reasonable,” “usual/customary,” “immediately” have no invented numerical conversion.	C053/C066/C086/C100
Q044	Attorney fees reasonable; expenses/costs actual; wire fee requires borrower-requested transfer	No verified universal dollar ceiling or entitlement; agreement, Act and other-law predicates remain.	C052/C058
Q045	Historical/currentness dates and reporting endpoints	Complete dates and application relations are in the version table immediately below; no actual deadline calculation.	C081/C083/C090/C113–C120

Captured table 13

Version item · Adopted/publication/effective/application relation · Status and limit · 14 data rows

Version item	Adopted/publication/effective/application relation	Status and limit
2018 c 62	Effective June 7, 2018; §21 uses final-rule adoption or January 1, 2019, whichever sooner, for specified initial DFI duties.	Adopted original read; not a current blanket exemption.
WSR 18-24-013	Adopted/filed November 27, 2018; effective January 1, 2019.	Permanent; later amendments separately applied.
WSR 19-21-157	Adopted/filed October 22, 2019; effective November 24, 2019.	Permanent; selected current provisions authenticated.
WSR 22-24-048	Adopted/filed November 30, 2022; effective December 31, 2022.	Permanent; selected bodies read.
2024 c 249	Effective June 6, 2024; prospective; older loans excluded unless renegotiated/modified after that date.	Adopted original and application clause read.
2025 c 194	Effective March 1, 2026.	Current effective date has passed; selected school-definition incorporation only.
2009 c 371	Effective July 26, 2009; application to causes accruing on/after effective date.	Application clause only; accrual/limitation analysis excluded.
Institution notices	Begin July 1, 2018; new/revised qualifying aid package triggers.	Separate from reporting sunset.
Institution reporting	Begins December 1, 2019, biannually until December 25, 2025, as text states.	Historical reporting endpoint; not an inferred repeal of individual notices.
Advocate course/report	Course establishment by October 1, 2020; specified report by December 31, 2020.	Historical establishment/report duties; continuing functions separately stated.
2025 proposal	Filed August 21, 2025; contemplated adoption date is not proof of adoption.	Proposed only for this report.
May 2026 preproposal	Filed May 6, 2026; agency explains renewed process after more than 180 days from earlier proposal.	The notice’s explanation is not a finding of formal withdrawal or general expiration law.
August 2026 preproposal	Filed August 25, 2026.	Agency-fee/assessment topic; no adopted new borrower remedy.
Compilation versus access	RCW index July 15, 2026; WAC index October 7, 2026; actual access October 28, 2026 PDT.	None is silently substituted for a clause effective date.

Captured table 14

Branch · Missing predicate · Supported consequence if predicate is established · 26 data rows

Branch	Missing predicate	Supported consequence if predicate is established	Adverse inference avoided	Exact next generic authority inquiry
B001 — Loan category	Personal-use postsecondary loan; qualifying educational institution; exclusion status.	Apply the student-specific definition and duties according to C002–C004.	Every education-related balance is a student education loan.	RCW 31.04.015(32), WAC 208-620-011(13), and the exact institutional definition implicated.
B002 — Washington nexus	Resident/shared-responsibility definition versus general physical-presence provision.	The pertinent state scope provisions may apply.	A remote address or loan label alone settles jurisdiction/preemption.	Formal generic interpretation of §§.015(33)–(34), .025(1), and WAC 230.
B003 — Institutional receivable/refinancing	Enrollment, institution category and whether the obligation is a refinanced receivable.	The statutory exclusion or refinancing inclusion may operate.	All school balances are excluded, or every refinancing is covered on identical terms.	Reconcile §.015(32)’s complete sentence with WAC 011(13)(b); judicial construction remains outside this pass.
B004 — Banking exclusion	Business under and as permitted by the specified banking law; incorporated depository definition where relevant.	The applicable chapter/2018-Act exclusion may operate.	Affiliate status or federal involvement proves exemption.	Federal Deposit Insurance Act §3 as incorporated as of July 26, 2009, and the particular generic bank-law scope; no institution lookup.
B005 — Defaulted collection	Default, Washington collection-agency/attorney category and legal-service/practice predicates.	WAC 011(14) may exclude the activity from student-servicer status.	Any collector or attorney-connected business is exempt from all law.	Chapter 19.16 generic definitions/licensing exclusions and the precise WAC 011(14) boundary.
B006 — Licensing-only exemption	Own-school servicing, loan count, guarantor status or government origination condition.	License may be unnecessary while student-servicing requirements remain.	Exemption erases substantive duties; federal contract automatically supplies state authority.	RCW 31.04.420 and any generic class waiver under §.025(5), without provider records.
B007 — Unlicensed transaction/version	Transaction violating §.035(1), relevant loan category, issue/modification chronology and applicable version.	Current §.035’s specified consequence may apply.	Any later servicer-license lapse automatically voids a preexisting lawful loan.	§§.035, .093(10), 2024 c 249 §5 and any adopted generic clarification of the current WAC 230 wording.
B008 — Bond/capital/mixed activities	Student-only versus combined activity; qualifying corporation/debt; actual director adjustment.	The relevant bond/capital relation applies.	$30,000 is the entire financial requirement for every mixed business, or an adjustment request is approval.	Complete mixed-activity financial rules and generic waiver/alternative criteria under §§.045, .410 and WAC 320/324.
B009 — Payment intent/waterfall	Express note terms; whether the loan-making/simple-interest regime or federal program governs.	Stated intent is respected within the statutory limitation; conditional payment-order rules may apply.	Highest-interest-first, proportional allocation, or universal fees-first treatment.	§§.015(31), .027(2)(g), .125 and WAC 011(12)/950(3)(b), plus the applicable generic federal program rule if later researched.
B010 — Receipt/credit trigger	Correct address, sufficient identifying information, regular-hours delivery, accounting method and federal-compliance predicate.	Receipt-recording, crediting and notification duties arise under their distinct clauses.	Dispatch equals receipt; an uncredited payment automatically establishes default or forgiveness.	WAC 550(2), 950(3), and any generic interpretation of electronic/after-hours receipt.
B011 — Fee authority	Authorized category, loan terms, applicable statute/program and actual third-party/default service.	Only the supported fee route and ceiling are available.	A disclosure deadline or ceiling authorizes an unagreed or unlawful charge.	WAC 569 with §§.105, .405, WAC 555(3)/560(2), and applicable federal program limits.
B012 — Federal-compliance alternatives	Actual applicability and satisfaction of the federal requirement or Department of Education contract.	Only the particular rule’s alternative/deemed-compliance clause may operate.	Federal-loan status removes all state duties.	Exact federal requirements corresponding to WAC 550(1)–(2), 950(3)(b)/(5), 960(1)(b)/(5), and 970; generic waiver authority under §.405(7).
B013 — Information/dispute/refund	Qualifying written request, detail/address, error and fee causation.	Response/history/correction/refund duties apply.	A request itself stays every collection activity, deletes reporting, or cancels principal.	§§.405(1)–(2), WAC 960, and separately applicable collection/furnishing law; no actual dispute review.
B014 — Transfer	Transfer of servicing, actor role, available records, pending request and federal-contract qualification.	Actor-specific notices, processing and record-preservation duties apply.	Sale of ownership alone proves servicing transfer; a notice establishes compliance.	§.405(3)–(4), WAC 970 and generic interpretation of its “available/applicable” qualifications.
B015 — Release/discharge/forbearance	Particular loan/program and operative release, death/disability or repayment rule.	The specific program may supply substantive relief beyond information duties.	C006’s shared-responsibility definition creates release, or state informational language guarantees federal relief.	Current HEA/program provisions and, for private education credit, the relevant TILA/Regulation Z provisions; exact state program statutes separately.
B016 — Military protection	Applicable military-law entitlement and federal-compliance route.	State screening/information duties operate alongside the independently established entitlement.	A matching requirement proves an individual’s status or benefit.	Current SCRA/other applicable military provisions and state incorporation; no status query.
B017 — Federal-loan refinancing	Covered refinancing and the applicable federal rights/programs.	State loss-of-options disclosure and anti-negligent-delay duties may apply.	Disclosure proves refinancing is beneficial, permissible, or approved.	§.102(5), WAC 510(8)(b)/550(16), then current generic federal program law.
B018 — Institution information	Institution scope, enrollment, certification and new/revised loan package.	Estimated information and notice duties may arise.	Estimates are binding balances or the 2025 reporting endpoint ends all notices.	RCW 28B.10.285 and its incorporated institutional definitions; program-specific data authority remains separate.
B019 — Paid modification assistance	Compensation, agreed services, full performance and applicability of chapter 18.28.	§.415 restrictions and its conflict rule apply.	License exemption permits advance collection or reopens earlier fee conclusions as settled.	Generic §.415/chapter 18.28 interaction in its own later pass; prior P1/P2 holds preserved.
B020 — Private recovery	Business/property injury, causation, violation, defenses and court findings.	CPA remedies may be available within statutory limits.	A violation automatically yields trebling, $25,000, debt cancellation or duplicate recovery.	RCW 19.86.090/.093/.170 and permitted later judicial-construction work; no actual merits.
B021 — Cessation	Prior act, lawful preexisting contract and outstanding regulated activity.	Prior liability and statutory supervision can continue.	Surrender erases duties or proves the loan unenforceable.	§§.093(9)–(12), WAC 430/499 and applicable version.
B022 — Administrative procedure	Type of order, request, notice and APA qualification.	The specified hearing/review process applies.	Complaint filing automatically creates a stay or permanent sanction.	Complete pertinent chapter 34.05 provisions and incorporated court process, without a proceeding or calendar.
B023 — Federal preemption and overlays	Exact actor, loan, activity and federal provision.	State and federal duties must be reconciled under that authority.	A federal label either automatically preempts or automatically preserves every state rule.	HEA preemption/servicing, CFPB/TILA, FCRA, FDCPA/Regulation F, bankruptcy and applicable federal bank law as separate generic inquiries.
B024 — Separate state education programs	Particular state program, institutional debt type or aid-disbursement arrangement.	Program-specific rules may add duties or relief.	General servicing research completes all education-credit law.	Chapters 28B.93 and relevant aid-program rules; RCW 28B.10.293 and 28B.77.270 are discovery leads, not completed findings.
B025 — Other interfaces	Insurance, privacy, disability, tax, security, local/tribal/interstate or contract rule.	A separately authenticated rule may alter the analysis.	Silence here establishes absence of protection or uniform statewide outcomes.	Exact generic statutory incorporation implicated; full title/security, privacy, insurance and local/tribal regimes remain open.
B026 — Currentness/history/construction	Later adopted law, generic waiver, complete older original or controlling construction.	A later source may qualify only the exact affected proposition.	Search failure proves no amendment or protection.	Later official WSR/adoption and session-law checks; targeted older originals; judicial construction reserved and not searched here.

Captured table 15

Analytical field · Entry · 22 data rows

Analytical field	Entry
Governing statutory definition
Relevant rule definition
Educational-institution category
Territorial predicate
Actor role
Loan category
Exclusion provision
Licensing-exemption provision
Substantive-duty scope
Applicable version
Adopted effective/application clause
Payment-receipt provision
Payment-application provision
Fee-authorization provision
Information-request provision
Transfer provision
Federal incorporation requiring research
State-program dependency
Remedy provision
Required causal or knowledge predicate
Source and exact pinpoint
Unresolved generic authority

Captured table 16

Scope item · Disposition · Source/claim/branch links · 46 data rows

Scope item	Disposition	Source/claim/branch links	Exact remaining boundary
1 — Governing state framework/department	Answered—text	S001–S002; C001	Actual actor status and preemption open.
1 — Student education loan/purpose/refinancing	Answered—text	C002–C003; B001	Particular obligation classification absent.
1 — Private-loan terminology	Answered—definition separation	C002–C003; B015/B023	No transplantation of execution definitions; federal private-education definition not completed.
1 — Borrower/shared responsibility	Answered—text	C006; B002/B015	No cosigner-release entitlement inferred.
1 — Educational definitions	Answered—incorporated state bodies	S003–S007; C004–C005	Older historical application chains partly held; no institution lookup.
1 — Enrolled receivables/refinancing	Partial—wording interaction	C022; B003	Formal construction of statute/rule relationship.
1 — Resident/remote/physical-presence nexus	Answered—text; application held	C007/C011; B002	Actual nexus and jurisdiction not reconstructed.
1 — Originator/owner/servicer/collector	Answered—role separation	C008–C010/C014	Collection-law classification and ownership proof remain separate.
1 — Exclusions/exemptions	Answered—enumerated gateways	C012–C021	Other sector statutes and federal definitions are not complete classifications.
2 — License requirement and ordinary channel	Answered—text	C023–C026	DFI operational webpage failed; no actual application or status checked.
2 — Automatic/streamlined treatment	Partial—no general automatic route established in read provisions	C015–C021/C025; B006	Exact generic waiver or other authority would need authentication.
2 — Locations/out-of-state conditions	Answered—text	C024	Mortgage remote-work exceptions not generalized.
2 — Bond/capital/assessment	Answered—generic relations	C027–C033; Q005–Q009	Mixed activity and actual waiver/financial sufficiency held.
2 — Renewal/retention/expiration	Answered—text	C034–C036	Full licensing-reporting system is not reproduced.
2 — Surrender/cessation/debt validity	Answered—text; construction held	C037–C040/C103; B007/B021	Later licensing defect versus prior lawful loan unresolved.
3 — Receipt/processing/credit	Answered—distinct triggers	C048–C050	Federal compliance, address and accounting predicates unprovided.
3 — Allocation/overpayment/underpayment	Partial—controlling intent/note relation read	C047/C073; B009	No universal allocation, automatic overpayment refund or underpayment-default rule established.
3 — Fees/refunds/collection charges	Answered—bounded categories/ceilings	C051–C058/C066	Contract, actual cost, federal limits and full origination pricing excluded.
3 — Records/statements	Answered—text	C060–C065/C096	Mortgage-only record rules not transferred.
3 — Payoff/account information	Answered—text	C061/C063/C067	No actual balance, note, history or payoff examined.
3 — Errors/disputes	Answered—response/correction rules	C060/C066	No universal collection stay or furnishing outcome inferred.
3 — Communication/representative/electronic consent	Answered—text	C044–C046/C059	Authorization, verification and actual receipt remain absent.
3 — Transfers	Answered—statute/rule text; qualification held	C069–C072; B014	Federal contract and statutory/rule interaction not presumed resolved.
3 — Credit reporting/default/collection	Partial—student-specific clauses	C041–C043/C061	Full FCRA/FDCPA/collection and adjudication regimes open.
4 — Repayment/forgiveness information	Answered—information duty	C074–C075	Program eligibility/current federal terms held.
4 — Refinancing/default prevention	Answered—disclosure and delay rule	C076–C077	No advice, approval or mandatory modification inferred.
4 — Military/protected status	Partial—state screening duty	C078; B016	Underlying federal/state entitlement definitions not completed.
4 — Cosigner/death/disability/forbearance	Unresolved substantive-relief branch	C079; B015	Exact program/private-loan authorities required; no absence-of-right finding.
4 — Institutional information and advocate assistance	Answered—bounded duties	C080–C093	No actual aid or assistance approval.
5 — Examination/records	Answered—generic authority	C094–C097	Actual examination, subpoena execution and complete court-fee process excluded.
5 — Orders/license sanctions/penalties	Answered—text	C098–C102	APA, actual findings and discretion remain.
5 — Refund/restitution	Answered—separate causal bases	C055/C066/C100	No amount or actual recovery determined.
5 — Good faith/criminal boundary	Answered—express qualifications	C104–C105	No broader immunity or criminal outcome inferred.
5 — CPA/private remedy	Partial—operative incorporation and principal clauses	C108–C112; B020	Full construction, jurisdiction and duplicate-recovery issues held.
5 — Nonwaiver/contract	Answered—identified narrow clauses	C087/C111	No complete contract-enforceability survey.
6 — 2018/2019/2022 adopted originals	Answered within listed read bounds	S011–S014; C113–C116	Remaining portions/older lineage not represented as read.
6 — 2024/2025–2026 application changes	Answered within component	S015–S016; C117–C118	Historical transaction application remains unprovided.
6 — Proposed/preproposal status	Answered—status only	S018–S020; C119	Later adoption absence not certified.
6 — Federal and state program regimes	Excluded/precise dependencies	B015–B017/B023–B024	HEA, federal consumer law, bankruptcy, program relief and institutional programs open.
6 — Local/tribal/interstate/privacy/insurance/tax/security	Excluded/held	B025	No uniformity or actual applicability conclusion.
6 — Judicial construction	Excluded by owner boundary	B003/B007/B020/B026	No cases, opinions or dockets investigated.
7 — Fresh official bodies/direct URLs	Answered	S001–S022	Scope of every read identified; failures separately logged.
7 — Adopted versus current codified text	Answered with explicit gaps	Source register/version table	Older originals and later-change exhaustiveness remain held.
7 — Numerical and counting completeness	Answered for relied-on measures	Q001–Q045	No invented counting, rounding, input or calendar result.
7 — Failed routes/discovery-only material	Answered	Read/failure log below	Failure is not absence of law.
Registry dimension 6 / Washington / A066	Remain open	Entire retained-scope record	This component supplies no broader acceptance.

Captured table 17

Log ID · Work actually performed · Result and limit · 15 data rows

Log ID	Work actually performed	Result and limit
L001	Public-source reading on October 28, 2026 PDT; observed research clock times included 15:23–15:45 PDT.	Access timing only; not a law’s publication or effective date.
L002	Official-source searches for Washington student education loans, servicing, chapter 31.04, WAC 208-620, licensing and advocate provisions.	Located the operative bodies in S001–S002 and S008. Search excerpts were discovery, not controlling evidence.
L003	Read current selected chapter 31.04 sections individually and, where needed, through the public full-chapter route.	Complete relied-on sections are listed in S001; ordinary origination, mortgage, reverse-mortgage and other sector bodies were not treated as student rules.
L004	Read current student-specific WAC rules and necessary general definitions, licensing, fee, record and sanction interfaces.	Complete versus selected bounds are identified in S002.
L005	Followed state educational-definition incorporations and the advocate/office/institution-notice provisions.	S003–S009; no institution, student, roster or education record investigation.
L006	Read CPA incorporation, definitions, private-action, public-interest and exemption clauses.	S010; full procedure, other regulated sectors and construction remain held.
L007	Read 2018 c 62 and 2024 c 249 adopted acts; selected 2025 school-definition act and complete 2009 CPA amendment.	S011/S015–S017. PDF evidence was parsed text, not visual page inspection.
L008	Located and read material permanent-rule originals from 2018, 2019 and 2022.	S012–S014. Alternate formats and current codifications were not counted as independent corroboration.
L009	Bounded 2025–2026 searches included student-loan amendments, WAC 208-620 permanent-rule status, the 2025 proposal and 2026 rulemaking references.	S018–S020 distinguish proposal/preproposal from adoption. Search failure does not prove no later action.
L010	Searches for generic cosigner release, death/disability and private-education-loan protection interfaces.	No universal state relief entitlement was authenticated from the examined general servicing bodies. Program-specific leads remain uncompleted.
L011	Discovery leads included chapter 28B.93 state-loan provisions, RCW 28B.10.293, RCW 28B.77.270, WAC 250-65-130 and WAC 131-36-250.	Search leads only for separate program/institutional questions; no numerical or eligibility merits taken from them.
L012	Incidental category-screening reads included mortgage-specific WAC 208-620-511, -551, -552 and -520; general licensing-fee/employment provisions -290 and -371; chapter 31.04’s animal-purchase section; and council mission text.	Not transferred into student-servicing findings. Their incidental numerical provisions are not relied upon.
L013	Reopened bounded passages where a combined output was truncated or an exact subsection needed confirmation.	These were read-extent corrections, not repeated failed access attempts. No truncated material is represented as read merely because a call returned.
L014	Read the current RCW and WAC publication paragraphs.	Actual body dates were used: July 15 and October 7, 2026. Older search metadata was not promoted over the opened body.
L015	Compared current rule language with the 2024 licensing amendment and with statutory student duties.	Exact version/qualification tensions remain B007/B012/B014, rather than being resolved through a favorable assumption.

Captured table 18

Failure ID · Exact attempted route / operation · Actual result · 4 data rows

Failure ID	Exact attempted route / operation	Actual result	Different ordinary route and disposition
F001	https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027	Individual-section retrieval returned an inaccessible/internal-error result.	Public full-chapter route succeeded; complete §.027 and credits read. This closes only that body-access gap.
F002	https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970	Individual-section retrieval failed.	Public full-chapter route and adopted 2018 HTML supplied the complete rule. The failed route remains recorded.
F003	Find operation for §21 on the already located 2018 session-law PDF	The find operation returned an inaccessible/internal-error result.	Opening the previously retrieved PDF reference at the relevant parsed-text location succeeded. The PDF was not declared wholly unavailable.
F004	https://dfi.wa.gov/industry/student-education-loan-servicers	HTTP 403; body not read.	Current statutory licensing provisions and WAC 230/280/300 supplied the generic legal/application framework. The DFI operational webpage itself remains unread.

Source links captured in this table

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1 pending correction

This dated research component contains identified issues. Read the correction panel before relying on its affected passages or tables. Other findings retain their own evidence limits.

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-P16-C001 Saved research record

DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C002 Saved research record

A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan.

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

Source/pinpoint and qualification: S001 §.015(32); S002 §011(13).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C003 Saved research record

The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans.

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

Source/pinpoint and qualification: S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C004 Saved research record

“Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C005 Saved research record

The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C006 Saved research record

The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident.

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

Source/pinpoint and qualification: S001 §.015(33); S002 §010(40). No separate release entitlement follows.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C007 Saved research record

A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower.

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

Source/pinpoint and qualification: S001 §.015(34). Actual responsibility and nexus remain unclassified.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C008 Saved research record

Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition.

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

Source/pinpoint and qualification: S001 §.015(35), (38); S002 §010(41).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C009 Saved research record

Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry.

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

Source/pinpoint and qualification: S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C010 Saved research record

The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing.

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

Source/pinpoint and qualification: S001 §.015(18), (29); S002 §§010(26), 011(8), (11).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C011 Saved research record

Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C012 Saved research record

Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C013 Saved research record

The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C014 Saved research record

The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C015 Saved research record

Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements.

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

Source/pinpoint and qualification: S001 §.420(1)(a), introductory sentence. Coverage must first exist.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C016 Saved research record

Persons servicing five or fewer student education loans receive the same licensing-only exemption.

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

Source/pinpoint and qualification: S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C017 Saved research record

Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans.

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

Source/pinpoint and qualification: S001 §.420(1)(c).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C018 Saved research record

Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated.

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

Source/pinpoint and qualification: S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C019 Saved research record

Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply.

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

Source/pinpoint and qualification: S001 §§.420(2), .415.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5, 6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C020 Saved research record

The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.025(6). No actual proof is evaluated.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C021 Saved research record

The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates.

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

Source/pinpoint and qualification: S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C022 Saved research record

WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question.

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

Source/pinpoint and qualification: S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C023 Saved research record

Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out.

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

Source/pinpoint and qualification: S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [1], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C024 Saved research record

The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C025 Saved research record

The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C026 Saved research record

Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period.

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

Source/pinpoint and qualification: S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C027 Saved research record

The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C028 Saved research record

A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C029 Saved research record

A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions.

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

Source/pinpoint and qualification: S001 §.410; S002 §324(1)(a), (5)(a).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [7], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C030 Saved research record

The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal.

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

Source/pinpoint and qualification: S002 §324(1)(b), (5)(b); Q008.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [7], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C031 Saved research record

Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed.

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

Source/pinpoint and qualification: S002 §324(2)–(4). An application for adjustment is not an approved adjustment.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [7], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C032 Saved research record

The statute authorizes program and advocate funding through specified regulatory fee categories.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C033 Saved research record

The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application.

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

Source/pinpoint and qualification: S002 §442, complete rule; formula in Q009.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [8], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C034 Saved research record

Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §§.085, .155; S002 §430 introductory paragraph and (1).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C035 Saved research record

Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C036 Saved research record

Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration.

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

Source/pinpoint and qualification: S001 §.093(11)–(12); S002 §430(3)(b).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C037 Saved research record

Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §499(1)–(3); Q013. No surrender was performed.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C038 Saved research record

Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C039 Recorded correction or qualification applies

Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.

Recorded check status: material pinpoint correction required UNSENT

Source/pinpoint and qualification: S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [1], "material_findings": ["S_WA-P16-C039-PINPOINT-001"], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C040 Saved research record

The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan.

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

Source/pinpoint and qualification: S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [1, 2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C041 Saved research record

A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C042 Saved research record

The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(c). Harm and applicability are retained predicates.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C043 Saved research record

At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C044 Saved research record

Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(e)–(f).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C045 Saved research record

Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(h).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C046 Saved research record

Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(i). Whether “45” is total or additional is not resolved here.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C047 Saved research record

Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C048 Saved research record

The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §550(2). Recording receipt is distinct from crediting.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C049 Saved research record

Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification.

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

Source/pinpoint and qualification: S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C050 Saved research record

Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period.

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

Source/pinpoint and qualification: S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C051 Saved research record

Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline.

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

Source/pinpoint and qualification: S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C052 Saved research record

Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers.

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

Source/pinpoint and qualification: S002 §569(1). No actual authorization or earned charge is established.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [9], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C053 Saved research record

A default-related service fee must be usual and customary or reasonable in light of the service provided, as the rule is written.

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

Source/pinpoint and qualification: S002 §569(2). This wording is not silently changed to the separate third-party-modification standard.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [9], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C054 Saved research record

A borrower charge for a fee paid to a third party may not exceed what the servicer paid.

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

Source/pinpoint and qualification: S002 §569(3). Actual-cost proof is not supplied.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [9], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C055 Saved research record

Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days.

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

Source/pinpoint and qualification: S002 §569(4). The clause does not expressly identify a discovery-based starting date.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [9], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C056 Saved research record

Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification.

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

Source/pinpoint and qualification: S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [3], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C057 Saved research record

The incorporated dishonored-payment rule permits $25 or the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return.

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

Source/pinpoint and qualification: S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.”

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [9], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C058 Saved research record

The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee.

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

Source/pinpoint and qualification: S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [3], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C059 Saved research record

Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement.

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

Source/pinpoint and qualification: S002 §950(2). No consent is supplied or inferred.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C060 Saved research record

Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days.

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

Source/pinpoint and qualification: S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C061 Saved research record

The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact.

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

Source/pinpoint and qualification: S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C062 Saved research record

Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied.

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

Source/pinpoint and qualification: S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C063 Saved research record

A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history.

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

Source/pinpoint and qualification: S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C064 Saved research record

The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month.

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

Source/pinpoint and qualification: S001 §.405(2)(b); S002 §960(5)(b)–(c).

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C065 Saved research record

One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements.

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

Source/pinpoint and qualification: S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C066 Saved research record

Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded.

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

Source/pinpoint and qualification: S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C067 Saved research record

The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §550(1). No actual payoff or date is calculated.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C068 Saved research record

The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §554, complete rule. A particular arrangement is not classified.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C069 Saved research record

A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties.

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

Source/pinpoint and qualification: S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C070 Saved research record

A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements.

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

Source/pinpoint and qualification: S001 §.405(4)(a); S002 §970 transferring-servicer clauses.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C071 Saved research record

Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information.

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

Source/pinpoint and qualification: S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C072 Saved research record

WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority.

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

Source/pinpoint and qualification: S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C073 Saved research record

The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule.

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

Source/pinpoint and qualification: S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C074 Saved research record

Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative.

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

Source/pinpoint and qualification: S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C075 Saved research record

A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it.

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

Source/pinpoint and qualification: S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C076 Saved research record

A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C077 Saved research record

Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S002 §550(16). Negligence, causation and the stated harm are necessary.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C078 Saved research record

The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification.

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

Source/pinpoint and qualification: S002 §950(5). No database was queried and no underlying military entitlement was determined.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [10], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C079 Saved research record

The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement.

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

Source/pinpoint and qualification: Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4, 10, 11], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C080 Saved research record

Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C081 Saved research record

The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S007 §.285; S011 §2. No actual aid package is examined.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C082 Saved research record

Good-faith representations under the specified institutional-information subsection receive the stated liability protection.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S007 §.285(4). This is not blanket institutional or servicer immunity.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C083 Saved research record

The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S007 §.285(6); S011 §2.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C084 Saved research record

Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance.

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

Source/pinpoint and qualification: S001 §.415(1)(a). No approved service, performance or fee is established.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C085 Saved research record

Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service.

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

Source/pinpoint and qualification: S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C086 Saved research record

They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible.

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

Source/pinpoint and qualification: S001 §.415(1)(c). “Immediately” is not converted into an invented day count.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C087 Saved research record

They may not require or encourage future-rights waivers or waiver of notice before collection proceedings.

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

Source/pinpoint and qualification: S001 §.415(2)(a), (c). Scope is the specified service relationship.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C088 Saved research record

The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials.

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

Source/pinpoint and qualification: S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C089 Saved research record

The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency.

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

Source/pinpoint and qualification: S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [5], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C090 Saved research record

The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S008 §.007(5)–(7); S011 §1.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C091 Saved research record

The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C092 Saved research record

Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination.

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

Source/pinpoint and qualification: S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [6], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C093 Saved research record

Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S008 §.007(5)(b), (g). No consent, record or application is supplied.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C094 Saved research record

DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.145, complete section. No investigation of an actual actor occurred.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C095 Saved research record

The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C096 Saved research record

General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.155. The separate student-request retention endpoint remains C062.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C097 Saved research record

Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement.

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

Source/pinpoint and qualification: S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [4], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C098 Saved research record

DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care.

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

Source/pinpoint and qualification: S001 §.093(3). The ground, finding and discretion are retained.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C099 Saved research record

DFI may impose up to $100 per day per violation on persons within the stated scope.

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

Source/pinpoint and qualification: S001 §.093(4). This is not an automatic private award.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C100 Saved research record

DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation.

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

Source/pinpoint and qualification: S001 §.093(5). Causal and receipt predicates differ.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C101 Saved research record

A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision.

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

Source/pinpoint and qualification: S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C102 Saved research record

The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.205. Full hearing procedure and merits remain held.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C103 Saved research record

Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract.

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

Source/pinpoint and qualification: S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [2], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C104 Saved research record

The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.175(2). It is not generalized to all private remedies or all informal advice.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C105 Saved research record

The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.175(1). No criminal finding is made.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C106 Saved research record

The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C107 Saved research record

Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.202. Complete APA procedure is outside this pass.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C108 Saved research record

Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C109 Saved research record

The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C110 Saved research record

The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C111 Saved research record

At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S001 §.027(1)(k). This is not a complete general contract-waiver survey.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C112 Saved research record

CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C113 Saved research record

The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C114 Saved research record

The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S012 header; selected adopted bodies specified in the register.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C115 Saved research record

The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S013 header. Current selected provisions were compared with adopted text.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C116 Saved research record

The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S014 printed p.1 / PDF index 0; selected amended bodies only.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C117 Saved research record

The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C118 Saved research record

The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C119 Saved research record

The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

S_WA-P16-C120 Saved research record

Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development.

Recorded check status: whole text reviewed source assertions not freshly reverified

Source/pinpoint and qualification: S021–S022 and the original-history limits in S011–S020.

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "material_findings": [], "full_claim_primary_accepted": false, "all_original_qualifications_retained": true, "correction_sent": false}

Sources, pinpoints and access limits

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

Search this report’s sources

S_WA-P16-S001 Saved research record

2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act Chapter route: https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true Current online codification, selected complete sections. The chapter route also supplied the successful alternate reading of §.027. The chapter was not read in its entirety. Section and direct literal URL Actual read extent and use Displayed credit / history qualification https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015 Complete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions. 2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025 Complete (1)–(7), credits and application notes. 2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause. §31.04.027 at https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true Complete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded. 2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035 Complete section, license requirement and transaction consequences. 2024 c 249 §4; S015 application limitation is material. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045 Complete (1)–(5), notes; application, bond, alternative, waiver. 2015 c 229 §22. Earlier original history not independently completed. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055 Complete (1)–(2), all issuance conditions and denial/decision provisions. 2010 c 35 §4; original not independently read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085 Complete section; annual assessment and continuing liability. 2010 c 35 §5; original not independently read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093 Complete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits. 2018 c 62 §13; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102 Complete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure. 2018 c 62 §14; S011 read. Federal TILA incorporation not completed. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105 Complete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces. 2015 c 229 §28. General origination/pricing and insurance regimes excluded. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125 Complete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface. 2007 c 208 §1. No general origination or prepayment calculation finding made. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143 Complete (1)–(3), credits and note. 2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145 Complete (1)–(6); examination and investigation authority. 2018 c 62 §15; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155 Complete section; records, report and late-report consequence. 2013 c 29 §8; original not independently read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165 Complete section; administration, rulemaking and judicial enforcement gateway. 2018 c 62 §16; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175 Complete (1)–(2); residual offense and written-DFI-guidance good-faith qualification. 2001 c 81 §14; older original not independently read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202 Complete section; APA incorporation. 2001 c 81 §15. Full chapter 34.05 procedure held. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205 Complete section; enforcement discretion, hearing finding and cost recovery. 2015 c 229 §30; original not independently read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208 Complete section; CPA incorporation and cumulative-remedy statement. 2001 c 81 §17; current CPA clauses separately read in S010. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310 Complete section; receiver gateway. 2018 c 62 §18; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400 Complete section; program/advocate fee authority. 2018 c 62 §3. Current fund-allocation incorporation not completed. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405 Complete (1)–(8), including all response, transfer, information and waiver clauses. 2018 c 62 §6; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410 Complete section; liquidity, reserves and tangible-net-worth authority. 2018 c 62 §7; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415 Complete (1)–(3), including every listed third-party-modification restriction. 2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420 Complete (1)–(3), all licensing-exempt categories. 2018 c 62 §10; S011 read. https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905 Complete section; 2018 Act banking exclusion. 2018 c 62 §20; S011 read. The central scope, conduct, duty, and licensing-consequence bodies were read directly, rather than inferred from chapter titles. app.leg.wa.gov +4

Recorded check status: selected current portions checked notwholechapter orhistory

Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420
https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [0, 1, 2, 3, 4, 5, 6], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S002 Saved research record

2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC Chapter route: https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true Current online codification; selected bodies only. “2018 order,” “2019 order,” and “2022 order” refer to S012–S014. Rule and direct literal URL Actual read extent / reliance Displayed latest credit and original-status qualification https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010 Complete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim. WSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011 Complete (1)–(14); interpretive definitions and default-collection exclusions. WSR 18-24-013; January 1, 2019; S012. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230 Complete rule; licensing and older refund language. WSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250 Complete rule; location/physical-presence distinction. WSR 22-24-048; S014. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251 Complete rule; out-of-state records/access and registered-agent condition. WSR 22-24-048; S014. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280 Complete (1)–(3); generic application channel and responsibility. WSR 13-24-024; January 1, 2014 as credited; original not read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300 Complete rule; student-servicing branch-location requirement. WSR 22-24-048; S014. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320 Complete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained. WSR 18-24-013; S012. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324 Complete (1)–(5), including both financial definitions. WSR 18-24-013; S012. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370 Complete rule; licensing-fitness/denial interface. WSR 18-24-013; S012. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430 Complete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced. WSR 13-24-024; original not read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442 Complete rule; assessment base, multiplier, portfolio and adjustment request. WSR 19-21-157; November 24, 2019; S013. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490 Complete current rule read; reliance limited to (3)(f)–(g) and (6). WSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499 Complete rule; cessation and continuing authority. Mortgage-only subsection kept separate. WSR 18-16-024; September 1, 2018 as credited; original not read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510 Complete selected (8)–(9); student-refinancing disclosure used. Latest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550 Complete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay. WSR 19-21-157; S013 complete rule read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554 Complete rule; servicing-location restrictions and permitted back-office categories. WSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555 Complete rule; reliance on (3)(c)–(d), not mortgage/origination pricing. WSR 19-21-157; S013 complete rule read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560 Complete current rule; reliance on (2), expressly incorporated by student-fee rule. WSR 19-21-157; complete original (2) read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569 Complete (1)–(4), all fee conditions. WSR 18-24-013; S012. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950 Complete (1)–(5), including every federal-compliance and communication qualification. WSR 19-21-157; complete 2018 and 2019 adopted versions read. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960 Complete (1)–(5), including the detailed-history and repeat-statement branches. WSR 19-21-157; complete 2018 and 2019 adopted versions read. §208-620-970 at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true Complete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed. WSR 18-24-013; complete adopted rule read in S012. The principal current student-specific rules were freshly read with their qualifications, not reconstructed from agency summaries. app.leg.wa.gov +4

Recorded check status: selected current portions checked notwholechapter orhistory

Direct source URLs: https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [7, 8, 9, 10, 11], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S003 Saved research record

Washington Legislature, RCW 28B.85.010, degree-granting definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S004 Saved research record

Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020
https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S005 Saved research record

Washington Legislature, RCW 18.16.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020
https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S006 Saved research record

Washington Legislature, RCW 28B.07.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S007 Saved research record

Washington Legislature, RCW 28B.10.016 and .285. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S008 Saved research record

Washington Legislature, Student Achievement Council / advocate statutes. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S009 Saved research record

Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090
https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S010 Saved research record

Washington Legislature, selected CPA provisions. https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held.
Direct source URLs: https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093&utm_source=chatgpt.com
https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S011 Saved research record

Washington Legislature, 2018 c 62, E2SSB 6029, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6
https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S012 Saved research record

DFI, WSR 18-24-013, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm
https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S013 Saved research record

DFI, WSR 19-21-157, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm
https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S014 Saved research record

DFI, WSR 22-24-048, permanent rules. https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf
https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S015 Saved research record

Washington Legislature, 2024 c 249, SSB 6025, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S016 Saved research record

Washington Legislature, 2025 c 194, EHB 1874, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S017 Saved research record

Washington Legislature, 2009 c 371, SSB 5531, adopted CPA amendment. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1
https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S018 Saved research record

DFI, WSR 25-18-022, proposed rules. https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm
https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S019 Saved research record

DFI, WSR 26-10-087, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm
https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S020 Saved research record

DFI, WSR 26-18-028, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm
https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S021 Saved research record

Code Reviser, RCW publication index. https://app.leg.wa.gov/rcw/

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change.
Direct source URLs: https://app.leg.wa.gov/rcw/
https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

S_WA-P16-S022 Saved research record

Code Reviser, WAC publication index. https://app.leg.wa.gov/wac/

Recorded check status: whole original source record read not freshly reopened

Actual read bounds, edition/status and material limitation: Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication.
Direct source URLs: https://app.leg.wa.gov/wac/
https://app.leg.wa.gov/wac/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "selected_scope_indices": [], "whole_source_history_currentness_not_accepted": true, "original_researcher_prose_rows_accessclaims_unchanged": true}

What was examined—and what is still missing

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

Search this report’s coverage and gaps

coverage-1 Saved research record

1 — Governing state framework/department

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: S001–S002; C001
Exact remaining boundary: Actual actor status and preemption open.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-2 Saved research record

1 — Student education loan/purpose/refinancing

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C002–C003; B001
Exact remaining boundary: Particular obligation classification absent.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-3 Saved research record

1 — Private-loan terminology

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—definition separation
Source/claim/branch links: C002–C003; B015/B023
Exact remaining boundary: No transplantation of execution definitions; federal private-education definition not completed.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-4 Saved research record

1 — Borrower/shared responsibility

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C006; B002/B015
Exact remaining boundary: No cosigner-release entitlement inferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-5 Saved research record

1 — Educational definitions

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—incorporated state bodies
Source/claim/branch links: S003–S007; C004–C005
Exact remaining boundary: Older historical application chains partly held; no institution lookup.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-6 Saved research record

1 — Enrolled receivables/refinancing

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—wording interaction
Source/claim/branch links: C022; B003
Exact remaining boundary: Formal construction of statute/rule relationship.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-7 Saved research record

1 — Resident/remote/physical-presence nexus

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text; application held
Source/claim/branch links: C007/C011; B002
Exact remaining boundary: Actual nexus and jurisdiction not reconstructed.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-8 Saved research record

1 — Originator/owner/servicer/collector

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—role separation
Source/claim/branch links: C008–C010/C014
Exact remaining boundary: Collection-law classification and ownership proof remain separate.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-9 Saved research record

1 — Exclusions/exemptions

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—enumerated gateways
Source/claim/branch links: C012–C021
Exact remaining boundary: Other sector statutes and federal definitions are not complete classifications.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-10 Saved research record

2 — License requirement and ordinary channel

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C023–C026
Exact remaining boundary: DFI operational webpage failed; no actual application or status checked.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-11 Saved research record

2 — Automatic/streamlined treatment

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—no general automatic route established in read provisions
Source/claim/branch links: C015–C021/C025; B006
Exact remaining boundary: Exact generic waiver or other authority would need authentication.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-12 Saved research record

2 — Locations/out-of-state conditions

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C024
Exact remaining boundary: Mortgage remote-work exceptions not generalized.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-13 Saved research record

2 — Bond/capital/assessment

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—generic relations
Source/claim/branch links: C027–C033; Q005–Q009
Exact remaining boundary: Mixed activity and actual waiver/financial sufficiency held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-14 Saved research record

2 — Renewal/retention/expiration

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C034–C036
Exact remaining boundary: Full licensing-reporting system is not reproduced.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-15 Saved research record

2 — Surrender/cessation/debt validity

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text; construction held
Source/claim/branch links: C037–C040/C103; B007/B021
Exact remaining boundary: Later licensing defect versus prior lawful loan unresolved.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": ["S_WA-P16-C039-PINPOINT-001"], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-16 Saved research record

3 — Receipt/processing/credit

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—distinct triggers
Source/claim/branch links: C048–C050
Exact remaining boundary: Federal compliance, address and accounting predicates unprovided.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-17 Saved research record

3 — Allocation/overpayment/underpayment

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—controlling intent/note relation read
Source/claim/branch links: C047/C073; B009
Exact remaining boundary: No universal allocation, automatic overpayment refund or underpayment-default rule established.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-18 Saved research record

3 — Fees/refunds/collection charges

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—bounded categories/ceilings
Source/claim/branch links: C051–C058/C066
Exact remaining boundary: Contract, actual cost, federal limits and full origination pricing excluded.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-19 Saved research record

3 — Records/statements

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C060–C065/C096
Exact remaining boundary: Mortgage-only record rules not transferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-20 Saved research record

3 — Payoff/account information

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C061/C063/C067
Exact remaining boundary: No actual balance, note, history or payoff examined.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-21 Saved research record

3 — Errors/disputes

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—response/correction rules
Source/claim/branch links: C060/C066
Exact remaining boundary: No universal collection stay or furnishing outcome inferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-22 Saved research record

3 — Communication/representative/electronic consent

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C044–C046/C059
Exact remaining boundary: Authorization, verification and actual receipt remain absent.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-23 Saved research record

3 — Transfers

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—statute/rule text; qualification held
Source/claim/branch links: C069–C072; B014
Exact remaining boundary: Federal contract and statutory/rule interaction not presumed resolved.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-24 Saved research record

3 — Credit reporting/default/collection

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—student-specific clauses
Source/claim/branch links: C041–C043/C061
Exact remaining boundary: Full FCRA/FDCPA/collection and adjudication regimes open.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-25 Saved research record

4 — Repayment/forgiveness information

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—information duty
Source/claim/branch links: C074–C075
Exact remaining boundary: Program eligibility/current federal terms held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-26 Saved research record

4 — Refinancing/default prevention

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—disclosure and delay rule
Source/claim/branch links: C076–C077
Exact remaining boundary: No advice, approval or mandatory modification inferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-27 Saved research record

4 — Military/protected status

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—state screening duty
Source/claim/branch links: C078; B016
Exact remaining boundary: Underlying federal/state entitlement definitions not completed.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-28 Saved research record

4 — Cosigner/death/disability/forbearance

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Unresolved substantive-relief branch
Source/claim/branch links: C079; B015
Exact remaining boundary: Exact program/private-loan authorities required; no absence-of-right finding.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-29 Saved research record

4 — Institutional information and advocate assistance

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—bounded duties
Source/claim/branch links: C080–C093
Exact remaining boundary: No actual aid or assistance approval.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-30 Saved research record

5 — Examination/records

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—generic authority
Source/claim/branch links: C094–C097
Exact remaining boundary: Actual examination, subpoena execution and complete court-fee process excluded.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-31 Saved research record

5 — Orders/license sanctions/penalties

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—text
Source/claim/branch links: C098–C102
Exact remaining boundary: APA, actual findings and discretion remain.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-32 Saved research record

5 — Refund/restitution

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—separate causal bases
Source/claim/branch links: C055/C066/C100
Exact remaining boundary: No amount or actual recovery determined.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-33 Saved research record

5 — Good faith/criminal boundary

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—express qualifications
Source/claim/branch links: C104–C105
Exact remaining boundary: No broader immunity or criminal outcome inferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-34 Saved research record

5 — CPA/private remedy

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Partial—operative incorporation and principal clauses
Source/claim/branch links: C108–C112; B020
Exact remaining boundary: Full construction, jurisdiction and duplicate-recovery issues held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-35 Saved research record

5 — Nonwaiver/contract

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—identified narrow clauses
Source/claim/branch links: C087/C111
Exact remaining boundary: No complete contract-enforceability survey.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-36 Saved research record

6 — 2018/2019/2022 adopted originals

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered within listed read bounds
Source/claim/branch links: S011–S014; C113–C116
Exact remaining boundary: Remaining portions/older lineage not represented as read.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-37 Saved research record

6 — 2024/2025–2026 application changes

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered within component
Source/claim/branch links: S015–S016; C117–C118
Exact remaining boundary: Historical transaction application remains unprovided.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-38 Saved research record

6 — Proposed/preproposal status

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered—status only
Source/claim/branch links: S018–S020; C119
Exact remaining boundary: Later adoption absence not certified.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-39 Saved research record

6 — Federal and state program regimes

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Excluded/precise dependencies
Source/claim/branch links: B015–B017/B023–B024
Exact remaining boundary: HEA, federal consumer law, bankruptcy, program relief and institutional programs open.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-40 Saved research record

6 — Local/tribal/interstate/privacy/insurance/tax/security

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Excluded/held
Source/claim/branch links: B025
Exact remaining boundary: No uniformity or actual applicability conclusion.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-41 Saved research record

6 — Judicial construction

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Excluded by owner boundary
Source/claim/branch links: B003/B007/B020/B026
Exact remaining boundary: No cases, opinions or dockets investigated.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-42 Saved research record

7 — Fresh official bodies/direct URLs

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered
Source/claim/branch links: S001–S022
Exact remaining boundary: Scope of every read identified; failures separately logged.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-43 Saved research record

7 — Adopted versus current codified text

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered with explicit gaps
Source/claim/branch links: Source register/version table
Exact remaining boundary: Older originals and later-change exhaustiveness remain held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-44 Saved research record

7 — Numerical and counting completeness

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered for relied-on measures
Source/claim/branch links: Q001–Q045
Exact remaining boundary: No invented counting, rounding, input or calendar result.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-45 Saved research record

7 — Failed routes/discovery-only material

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Answered
Source/claim/branch links: Read/failure log below
Exact remaining boundary: Failure is not absence of law.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

coverage-46 Saved research record

Registry dimension 6 / Washington / A066

Recorded check status: recorded; no individual primary acceptance inferred

Disposition: Remain open
Source/claim/branch links: Entire retained-scope record
Exact remaining boundary: This component supplies no broader acceptance.

Recorded coordinator check boundaries

coordinator acceptance: scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds
coordinator review: {"review": "[internal evidence reference]", "reviewed_at": "2026-10-29T10:36:41.662466+00:00", "source_check_record": "[internal evidence reference]", "material_findings": [], "original_disposition_not_upgraded": true, "state_dimension6_A066_parent_acceptance": false}

Corrections, review and scope

How to read the research →

S_WA-P16-C039-PINPOINT-001

C039attributesnonmortgageloanconsequence to.035(2)(a); officialcurrenttextplacesit in(2)(b). (2)(a)addressesmortgageoriginationnonthird-partyfee refunds.

Disposition: correction queued; no replacement research was generated for this website. Use the exact recorded limits.

Recorded review disposition

scoped coordinator studentservicing review complete one pinpoint correction UNSENT source history construction application parent holds

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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

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

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

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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

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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

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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

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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

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S_WApass-10

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

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

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

S_WApass-11

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

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S_WApass-12

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

S_WApass-13

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S_WApass-14

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

S_WApass-15

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S_WApass-17

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S_WApass-18

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Original saved Markdown SHA-256: a2b025f06ba6d1208a9b3e0a1a315197e13f3d0d8cabead0afa1f8ec219fe8b4. Public formatting, private-reference removal and correction annotations are separate from that immutable original.