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