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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.
These components repair their stated scope. They do not replace every other finding in this research series.
SWA correction of the C070 coverage pinpoint →Status: focused research findings with express holds. Fresh primary readings establish separate rules for ordinary simple-interest loans, the limited add-on-interest category, and open-end loans. The principal unresolved comparisons concern financed origination fees, payment allocation, several fee provisions, older licensing-consequence rules, and the status of proposed 2026 amendments. Those questions remain identified below; they are not resolved by borrowing findings from the student-servicing, mortgage-servicing or payday passes.
Research access date: October 28, 2026, America/Los_Angeles. The official RCW site reported an online compilation update of July 15, 2026. Later official rulemaking records were examined, but the discovery described below does not certify the absence of every later amendment or future-effective instrument. app.leg.wa.gov
The most consequential version distinction is the 2024 amendment to RCW 31.04.035. Its express consequence for an applicable transaction involving a required-license violation differs materially from the refund language still appearing in older rules. The enacted prospective-application clause must accompany that comparison. app.leg.wa.gov+2
This report contains no transaction classification, financial input, populated calculation, actual agreement, eligibility determination or actual remedy determination. It confers no Washington, dimension6, A066, parent, operational or publication acceptance.
| Supplied record or prior component | Permitted reuse in PASS-18 | New ordinary-loan work here | Remaining boundary |
|---|---|---|---|
| PASS-01 supplied reviewed record; response 66d1cb8f-b221-56f7-be60-6bee18e186f2; capture 2026-10-23T06:19:43.276Z; review reference [internal evidence reference] | Only the supplied statement that collection, litigation, limitations, execution exemptions, secured debt, sectors, local/tribal, contracts and case-law work required separate investigations | Fresh CLA definitions, application, pricing, agreement, payment and consequence readings | No substantive CLA proposition imported from P1 |
| PASS-02 supplied reviewed record; response d99fa0e7-8427-5177-94a0-d79c611f8e41; capture 2026-10-23T07:23:21.074Z; review reference [internal evidence reference] | Only the supplied statement that other Washington categories remained open and required later passes | This distinct ordinary-loan component | No P2 fee finding enlarged into a CLA rule |
| Supplied provenance destination for those records: [[private conversation omitted]]([private conversation omitted]) | Provenance supplied by the user | No inspection of the earlier conversation is claimed | No new capture, import, save or model-history claim |
| Supplied coordinator search: 1,664 atomic records; 15 complete hits read | Scope-management metadata only | Fresh indispensable ordinary-loan clauses read here | Search metadata does not establish the absence of other prior prose |
| P8 mortgage-servicing material | Its supplied separate status is preserved | Mortgage provisions read only where necessary to delimit ordinary-loan provisions | No mortgage servicing, suspense, foreclosure or mortgage-only disclosure rule imported |
| P16 student-servicing material, including supplied S001/S002 read-bound information | Its supplied saved/imported/queued status and pending whole scoped review are preserved | Fresh ordinary origination, pricing and prepayment readings | Student allocation, transfer, servicing and modification duties are not premises |
| P17 payday/small-loan material, including supplied S066/S067 boundaries | Its supplied saved/imported/queued status and pending whole scoped review are preserved | Fresh RCW 31.04.015/.025 and ordinary-loan merits | No chapter 31.45 payment-plan, fee or loan-count rule imported |
| PASS-18 | New evidence is the source ledger below | Ordinary nonmortgage CLA component only | Every express hold remains open; researcher checking is not independent review |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C001 | The statutory loan definition covers money lent for interest, a fee or another charge, including open-end and closed-end transactions. | S001, RCW 31.04.015(14). A product’s advertised name does not establish these predicates. app.leg.wa.gov |
| S_WA-P18-C002 | Making a loan includes advancing funds, offering to advance them, and committing to advance them. | S001, .015(16). Funding, offering and ownership therefore require separate factual predicates. app.leg.wa.gov |
| S_WA-P18-C003 | Borrower protections are not invariably contingent on consummation: the statute includes persons seeking loan information; the rule describes an individual seeking personal, family or household credit and separately includes student borrowers. | S001, .015(4); S021, WAC 208-620-011(1). The differing formulations remain visible. app.leg.wa.gov+1 |
| S_WA-P18-C004 | “Nonmortgage,” “not a residential mortgage,” and “not secured by real property” are different boundaries. A dwelling can include residential personal property. | S001, .015(24); S020, -010(12); S009, .125(1). Federal dwelling incorporation remains H01. app.leg.wa.gov+2 |
| S_WA-P18-C005 | RCW 31.04.025(1) reaches a loan to a Washington resident or a person physically in Washington, when made by a licensee or person subject to the chapter. | S002. Remote conduct is also addressed by S023, -230(1). app.leg.wa.gov+1 |
| S_WA-P18-C006 | Disguised sale/leaseback, pretextual rebate and remote arrangements are among the statutory anti-evasion subjects. | S002, .025(2); S003, .027(1)(o). No actual arrangement is classified. app.leg.wa.gov+1 |
| S_WA-P18-C007 | The purported-agent lender test first requires a loan exceeding the permitted rate; it then addresses predominant economic interest or lender status under the totality of circumstances plus an evasive structure. | S002, .025(3)(a)–(b); S042 §2. It is not an unconditional attribution rule. app.leg.wa.gov+1 |
| S_WA-P18-C008 | The bank/credit-union exemption requires activity under, and permitted by, the applicable banking law. | S002, .025(4)(a). Charter, authority and federal preemption bodies remain H02/H20. app.leg.wa.gov |
| S_WA-P18-C009 | Pawnbroking, qualifying retail-installment transactions and chapter 31.45 loans have express boundaries; the retail exclusion has an exception for specified value instruments redeemable through another retailer. | S002, .025(4)(b)–(d). The incorporated sectors were not rerun. app.leg.wa.gov |
| S_WA-P18-C010 | Primarily business, commercial or agricultural lending is excluded unless secured by the borrower’s primary dwelling. | S002, .025(4)(e); S022, -104(3). An actor’s commercial activity does not itself establish the loan’s purpose. app.leg.wa.gov+1 |
| S_WA-P18-C011 | The owner-sale exemption requires owned property without a dwelling, that property as security, and no more than five transactions per calendar year; SAFE-covered individuals and residential constructors/contractors are excluded. | S002, .025(4)(f). The numerical restriction cannot be omitted because the older rule does not repeat it. app.leg.wa.gov |
| S_WA-P18-C012 | Government borrowers and organizations defined by TILA are separately addressed exclusions. | S002, .025(4)(g). The federal organization definition is held. app.leg.wa.gov |
| S_WA-P18-C013 | Housing exclusions depend on the specified trust-fund, federal-program or publicly funded low-income-housing predicates; nonprofit status alone is insufficient. | S002, .025(4)(h)–(j); S022, -104(5), including its charitable-purpose, compensation, favorable-term and additional-standard conditions. Tax/program incorporations remain held. app.leg.wa.gov+1 |
| S_WA-P18-C014 | The credit-card-plan exclusion concerns loans that are not residential mortgage loans. | S002, .025(4)(k). It does not classify every open-end product as exempt. app.leg.wa.gov |
| S_WA-P18-C015 | Licensed mortgage-servicer employees and chapter 18.44 licensees processing specified seller-finance payments have distinct exclusions. | S002, .025(4)(l)–(m). Neither is a general ordinary-loan ownership or collection exemption. app.leg.wa.gov |
| S_WA-P18-C016 | The pending-action-proceeds exclusion requires nonrecourse contingent repayment; repayment despite failure to prevail defeats that exclusion. | S002, .025(4)(n). No action, party or litigation funding arrangement was investigated. app.leg.wa.gov |
| S_WA-P18-C017 | DFI has conditional discretion to waive company licensing for other persons to facilitate commerce and protect consumers, excluding SAFE-covered individuals. | S002, .025(5). This is not a substantive exemption from every CLA restriction. app.leg.wa.gov |
| S_WA-P18-C018 | The claimant bears the statutory burden for an exemption, definitional exception or preemption. | S002, .025(6). No burden is treated as satisfied here. app.leg.wa.gov |
| S_WA-P18-C019 | The rule separately identifies individual immediate-family lending and primary-dwelling seller credit. Its statutory subsection references are outdated. | S022, -104(6)–(7); S020, -010(21). The immediate-family definition was read; no relationship or actual waiver was determined. app.leg.wa.gov+1 |
| S_WA-P18-C020 | The servicing definition and investor/note-buyer exclusions examined here concern residential mortgage loans. They do not establish ordinary nonmortgage owner, purchaser, servicer or collector capacity. | S001, .015(29); S021, -011(11); S024, -231. H03 remains. app.leg.wa.gov+2 |
| S_WA-P18-C021 | Student-purpose definitions remain separate; employer or earned-wage terminology alone establishes neither CLA coverage nor an exemption. | S001, .015(32); S021, -011(13); S002. Separate earned-wage law/currentness and transaction characteristics remain H03/H14. app.leg.wa.gov+2 |
| S_WA-P18-C022 | Required licensing must be obtained and maintained. The rule treats a license as associated with one business location and addresses Washington lending and remote solicitation. | S004, .035(1); S021, -011(6); S023, -230(1). Full application, branch, bond, renewal and assessment administration is excluded. app.leg.wa.gov+2 |
| S_WA-P18-C023 | Former WAC 208-620-240, concerning all loans made after licensure, was repealed effective November 24, 2019. | S052 repealer; S064 disposition. Its historical wording is not current authority. lawfilesext.leg.wa.gov+1 |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C024 | The ordinary nonmortgage ceiling is 25 percent per annum using simple interest. This is not a determination of APR or an all-in federal finance charge. | S007, .105(1); S028, -515(1); S025, -235. Original verification of -235 remains H15. app.leg.wa.gov+2 |
| S_WA-P18-C025 | Simple interest is tied to an annual rate or periodic equivalent, the unpaid principal and time outstanding; advance interest and compounding are restricted, with the separate reverse-mortgage exception. | S001, .015(31); S021, -011(12). The express closing-interest allowance must also be considered. app.leg.wa.gov+1 |
| S_WA-P18-C026 | The rule distinguishes principal amount advanced for the borrower’s benefit from principal balance including an allowed origination fee. Whether financed origination fees themselves bear interest requires reconciliation with the rule’s interest-base wording. | S020, -010(32)–(33); S021, -011(12); S007, .105(2). H04. app.leg.wa.gov+2 |
| S_WA-P18-C027 | Add-on interest is permitted only within the statutory collateral and duration limits: no real-property security or personal-property residence, and repayment no later than three years and fifteen days after origination. | S009, .125(1). The ordinary rule’s simple-interest wording does not erase this express statutory exception. app.leg.wa.gov |
| S_WA-P18-C028 | An authorized prepaid, nonrefundable origination fee is capped at four percent of the first $20,000 advanced for the borrower’s direct benefit and two percent of the remainder; financing the fee is permitted. | S007, .105(2); S033, -555(2). Permission and a ceiling do not establish contractual entitlement. app.leg.wa.gov+1 |
| S_WA-P18-C029 | Third-party preparation charges require the statutory/rule predicates, including written agreement under the rule. Before closing, collection is restricted to actual credit-report and appraisal costs; without a loan, the statute permits only the specified reasonable, properly incurred exceptions. | S007, .105(3); S033, -555(3)(b)(i). Appraiser independence and selection conditions remain part of .105(3). app.leg.wa.gov+1 |
| S_WA-P18-C030 | Third-party charges cannot exceed actual costs paid or payable. The rule’s reference to a definition in -010 is stale; the statutory third-party-service-provider definition was separately read. | S033, -555(3)(b)(ii); S001, .015(37). No markup or fee entitlement is inferred from the broken reference. app.leg.wa.gov+1 |
| S_WA-P18-C031 | An underwriting fee is prohibited within the scope of -563. | S036, -563(1). No alternative label is treated as curing the prohibition. app.leg.wa.gov |
| S_WA-P18-C032 | Document-preparation, processing, administrative, application and courier fees require payment to an unrelated third party and the borrower’s advance written agreement. | S035, -560(4). These conditions do not dispense with other applicable fee restrictions. app.leg.wa.gov |
| S_WA-P18-C033 | Filing/public-official charges require payment or intended payment within 180 days; a release/reconveyance fee must go to an unrelated third party unless the licensee demonstrates its own facilitating work. | S035, -560(1). The exact start event for the 180 days is not stated expressly. app.leg.wa.gov |
| S_WA-P18-C034 | The open-end annual fee cannot exceed $50, must be collected as an advance lump sum, cannot be imposed monthly, and cannot be financed. | S028, -515(2); S008, .115(3). app.leg.wa.gov+1 |
| S_WA-P18-C035 | A discount-point charge requires an actual rate reduction and a demonstrable mathematical relationship supported by the contemporaneous rate sheet or pricing engine. | S033, -555(3)(e). This does not establish an unrestricted additional ordinary-loan fee. H06. app.leg.wa.gov |
| S_WA-P18-C036 | A written rate-lock agreement is required. Retention after borrower breach additionally requires that the lender make the loan and have paid a third party or made a demonstrable financial commitment; specified rescission, qualification and appraisal-denial conditions prohibit retention. | S033, -555(3)(b)(iv). Ordinary-loan applicability and aggregate treatment remain H06. app.leg.wa.gov |
| S_WA-P18-C037 | At closing, prepaid-interest collection may cover no more than 45 days. That collection permission does not itself specify when all such interest is earned or refunded. | S007, .105(5); S021, -011(12)(a); S032, -550(3). H11. app.leg.wa.gov+2 |
| S_WA-P18-C038 | The statutory delinquency penalty ceiling is ten percent of an installment delinquent at least ten days. The rule also refers to agreed terms; it supplies no authority to exceed the statute. | S007, .105(6); S033, -555(3)(c). Frequency, partial-installment treatment and compounding remain held. app.leg.wa.gov+1 |
| S_WA-P18-C039 | The dishonor rule states $25 or the financial institution’s actual charge, with only one fee for a particular instrument/transfer despite repeated returns. | S035, -560(2). No “greater of,” “lesser of” or selector rule was added. app.leg.wa.gov |
| S_WA-P18-C040 | Reasonable attorney fees and actual collection expenses/costs are conditionally authorized when delinquent debt is referred to a nonsalaried attorney. | S007, .105(7); S033, -555(3)(d). Repossession/foreclosure references are not a completion of those separate bodies. app.leg.wa.gov+1 |
| S_WA-P18-C041 | Financing insurance premiums requires optional purchase, written disclosure that purchase is unnecessary for the loan, and signed confirmation; single-premium credit insurance has an additional Title 48 incorporation. | S033, -555(3)(a); S007, .105(10). Full insurance law remains H16. app.leg.wa.gov+1 |
| S_WA-P18-C042 | Credit-life coverage is limited by the balance net of refunds at death; disability coverage is limited by minimum payments during covered disability. Such insurance cannot be required. | S009, .125(3). No insurance amount or coverage outcome was determined. app.leg.wa.gov |
| S_WA-P18-C043 | Open-end credit-life/disability premiums use the approved monthly rate and covered balance. Delinquency alone cannot support cancellation until a payment is at least 90 days overdue; interim premium advances may be debited. | S008, .115(4). Full insurance incorporation remains held. app.leg.wa.gov |
| S_WA-P18-C044 | Open-end interest uses monthly billing cycles, with the statutory daily-balance additions and deductions; the closing date can vary by no more than four days from the same monthly date. | S008, .115(2)(a). Reverse mortgages are separately excepted in (2)(b). app.leg.wa.gov |
| S_WA-P18-C045 | Open-end method (i) uses the annual rate divided by 365 and the daily unpaid principal balance. | S008, .115(2)(a)(i). No leap-year or rounding adjustment was invented. app.leg.wa.gov |
| S_WA-P18-C046 | Method (ii) uses one-twelfth of the annual rate multiplied by the cycle’s average daily unpaid principal balance. | S008, .115(2)(a)(ii). The statute defines that average by daily balances and cycle days. app.leg.wa.gov |
| S_WA-P18-C047 | Method (iii) states a daily rate multiplied by the average daily unpaid principal balance. The text does not expressly supply an additional cycle-length multiplier. | S008, .115(2)(a)(iii). H07: no computational repair is adopted. app.leg.wa.gov |
| S_WA-P18-C048 | Additional open-end charges remain subject to the conditions and restrictions governing those charges elsewhere in the chapter. | S008, .115(3). Open-end status does not eliminate individual fee limits. app.leg.wa.gov |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C049 | For licensee loans not secured by real property, .102(1) expressly incorporates applicable TILA, Regulation Z and other federal requirements. | S006. The state bridge was read; federal coverage, calculations, forms, delivery and remedies were not completed. H01/H09. app.leg.wa.gov |
| S_WA-P18-C050 | The rules require compliance with applicable federal and state laws, including listed disclosure, advertising and consumer-protection bodies. | S026, -505; S041, -640. Listing a law does not establish that every listed law governs every loan. app.leg.wa.gov+1 |
| S_WA-P18-C051 | Advance preparation of loan papers requires prior review of terms, including requested insurance type and amount; mailed loans have the stated sufficient-review-time exception. | S009, .125(4). No fixed mail-review period is supplied. app.leg.wa.gov |
| S_WA-P18-C052 | Loan-origination documents cannot be supplied with blanks or left blank when signed. | S032, -550(8). No document was created or examined. app.leg.wa.gov |
| S_WA-P18-C053 | The statutory open-end agreement must identify the CLA basis, include the prescribed party-identification categories and required disclosures, and be copied to the borrower when the account is created. | S008, .115(1), (7). No identifying field was populated. app.leg.wa.gov |
| S_WA-P18-C054 | The open-end definition permits repeated advances and account debits/credits; the monthly-installment privilege uses fixed or determinable contractual amounts and is conditioned on absence of default. | S008, .115(1). No default definition is supplied by that clause. app.leg.wa.gov |
| S_WA-P18-C055 | An open-end periodic statement is required at cycle end when the balance exceeds $1 or interest is imposed, subject to the uncollectible-account and initiated-collection exceptions. | S008, .115(8). Form and federal requirements remain held. app.leg.wa.gov |
| S_WA-P18-C056 | An open-end rate increase generally requires mailed or delivered written notice at least 30 days before effectiveness, unless previously agreed. | S008, .115(6). Electronic substitution is not resolved here. app.leg.wa.gov |
| S_WA-P18-C057 | On termination following an increase, the old balance retains prior terms unless additional debt is incurred on or after effectiveness or the borrower otherwise agrees to the new rate. | S008, .115(6). No election, assent or new borrowing is presumed. app.leg.wa.gov |
| S_WA-P18-C058 | Solicited, advertised or contracted specific terms must actually be available at the relevant event. | S003, .027(1)(e). An advertisement, application, approval and binding agreement remain distinct. app.leg.wa.gov |
| S_WA-P18-C059 | False or misleading loan advertising and specified deceptive representations are prohibited, including misleading “free” claims and undisclosed discount costs. | S010, .135; S040, -630(8)–(9); S003, .027(1)(a)–(c). app.leg.wa.gov+2 |
| S_WA-P18-C060 | State advertising rules address conspicuous APR, equal prominence, support for advertised availability/calculation, and APR in oral rate quotations. | S003, .027(1)(l); S040, -630(2)–(4). Full federal calculation and the legacy federal citation remain H01. app.leg.wa.gov+1 |
| S_WA-P18-C061 | The advertising rule restricts lowest/best-rate claims, misleading affiliations and governmental endorsement implications; its genuine-program exception remains conditional. | S040, -630(1), (5)–(7). No actual advertisement or program was assessed. app.leg.wa.gov+1 |
| S_WA-P18-C062 | Company advertising, assumed names, URLs and electronic landing pages have separate licensed-name, approval and identifier/link requirements. | S037–S039, -620 through -622. No registry query or approval determination was made. app.leg.wa.gov+2 |
| S_WA-P18-C063 | At closing, the licensee cannot obtain the specified release of future usury/other damage claims or waiver of CLA protection. | S003, .027(1)(k). This is not a finding about any actual release. app.leg.wa.gov |
| S_WA-P18-C064 | These readings do not complete a universal ordinary closed-end checklist for agreement contents, copy deadlines, language, accessibility or electronic consent. | S006/S027 and the held federal bridges. Mortgage-specific disclosure periods are not imported. H09. app.leg.wa.gov+2 |
| S_WA-P18-C065 | Electronic record storage is permitted subject to retrievability, retention and examination requirements, including the rule’s server-location condition. | S030, -530. Storage permission is not electronic-signature or electronic-delivery consent. app.leg.wa.gov |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C066 | A payment delivered during regular working hours to any licensee location must be recorded as received that day. | S032, -550(2), with its Department of Education contractual-compliance exception. Recording receipt does not resolve every crediting or allocation question. app.leg.wa.gov |
| S_WA-P18-C067 | An exact payoff amount as of a specified date must be provided within seven business days after a written request from the borrower of record or authorized representative. | S032, -550(1); business-day definition S020, -010(7). Student federal-program alternative remains separate. app.leg.wa.gov+1 |
| S_WA-P18-C068 | The statute orders nonresidential payments through penalties/fees/charges, accrued interest and then principal; the rule directs application according to loan documents. | S001, .015(31)(a); S021, -011(12)(a). H05: the rule is not treated as permission for a contract to override the statute. app.leg.wa.gov+1 |
| S_WA-P18-C069 | The examined receipt/payoff provisions do not establish a universal after-hours, overpayment, underpayment, due-date-change, grace or default rule for ordinary loans. | S032, -550(1)–(2); S033, -555(3)(c). H10: no mortgage/student servicing rule fills the gap. app.leg.wa.gov+1 |
| S_WA-P18-C070 | A nonmortgage loan cannot carry a prepayment penalty under -563. | S036, -563(2). The adjustable-rate mortgage exception is not an ordinary nonmortgage exception. app.leg.wa.gov |
| S_WA-P18-C071 | A statutory open-end account may be paid in full at any time without a prepayment penalty. | S008, .115(1)(d). This differs from the nondefault monthly-installment condition. app.leg.wa.gov |
| S_WA-P18-C072 | An add-on loan must provide an unearned-interest refund or credit upon full early repayment, including repayment through cash, a new loan or refinancing. | S009, .125(2); S047 §1. The original maturity/final-due-date condition matters. app.leg.wa.gov+1 |
| S_WA-P18-C073 | The default add-on refund method is actuarial, with optional rounding of the annual rate to the nearest quarter of one percent. | S009, .125(2). Tie-breaking and further rounding conventions remain unspecified. app.leg.wa.gov |
| S_WA-P18-C074 | A sum equal to at least two installments prepaid, no arrears, and continued paid-ahead status trigger the specified simple-interest recalculation instead. | S009, .125(2). This is an amount-equivalence condition, not necessarily two separate payment events. app.leg.wa.gov |
| S_WA-P18-C075 | For the required refund, prepayment on or before the fifteenth day after a scheduled payment date is treated as made on the preceding payment date. | S009, .125(2). No actual date or calendar was evaluated. app.leg.wa.gov |
| S_WA-P18-C076 | Before the first installment is due, retained interest is capped at one-thirtieth of the first month’s interest for each day between origination and actual prepayment. | S009, .125(2). Endpoint day counting remains H08. app.leg.wa.gov |
| S_WA-P18-C077 | An origination fee’s nonrefundable label does not erase express refinancing, violation or remedy provisions; conversely, the add-on-interest refund does not create a universal refund of every fee. | S007, .105(2); S009, .125(2); S035, -560(3); S005, .093(5). Comparison only. app.leg.wa.gov+3 |
| S_WA-P18-C078 | For a new loan within 120 days after the same lender’s previous origination to the same borrower, the new origination-fee base excludes proceeds used to pay the prior amount due. | S035, -560(3)(a), subject to (c)–(d). Exact endpoint counting remains H12. app.leg.wa.gov |
| S_WA-P18-C079 | For a credit-line increase within that period, the origination-fee base is the increase over the existing line. | S035, -560(3)(b), subject to (c)–(d). No line amount was supplied. app.leg.wa.gov |
| S_WA-P18-C080 | Those base restrictions have separate exceptions for refunding the old origination fee or demonstrating net tangible benefit; the benefit analysis must include new fees/charges. | S035, -560(3)(c)–(d). A lower payment or rate is not treated here as an automatic result. app.leg.wa.gov |
| S_WA-P18-C081 | These readings do not establish a general ordinary-loan count, simultaneous-loan ceiling, minimum charge or universal definition of every renewal/consolidation. | S002/S007/S035. Anti-evasion and the specified successive-loan restriction remain applicable predicates; broader absence is not claimed. |
| S_WA-P18-C082 | The rule requires reconveyance of collateral title within 60 business days when the loan is fully paid. | S032, -550(13). Full lien-release, perfection and satisfaction law remains H17. app.leg.wa.gov |
| S_WA-P18-C083 | Open-end security may remain until termination, with prompt-release duties for the specified 12-month zero-balance/no-unilateral-borrowing-right condition or borrower-requested termination plus full payment. | S008, .115(5). “Promptly” is not converted to an invented deadline. app.leg.wa.gov |
| S_WA-P18-C084 | Third-party funds require separate accounting and cannot benefit a person lacking entitlement. | S031, -540. This is not converted into an unexpressed requirement for a separate bank account. app.leg.wa.gov |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C085 | For an applicable transaction violating the required-license provision, .035(3) expressly makes a loan that is not a residential mortgage loan void, uncollectable and unenforceable. | S004; S042 §§4–5. Coverage, licensing violation and prospective application must all be established. app.leg.wa.gov+1 |
| S_WA-P18-C086 | The adjacent residential-mortgage consequence instead addresses non-third-party fees and excludes interest. | S004, .035(2). The categories cannot be interchanged. app.leg.wa.gov |
| S_WA-P18-C087 | The 2024 changes are prospective: a loan issued before June 6, 2024 is excluded unless renegotiated or modified after June 6, 2024. | S042 §5; S002 application note. “After” is not silently changed to “on or after.” lawfilesext.leg.wa.gov+1 |
| S_WA-P18-C088 | Older -230 and -556 refund language cannot be substituted for the later statute; -556(2) also uses the distinct phrase “nonresidential mortgage loans.” | S023/S034 compared with S004/S042. Exact historical and post-amendment construction remains H13. app.leg.wa.gov+2 |
| S_WA-P18-C089 | DFI may impose license sanctions on the specified grounds, including knowing or insufficient-care violations. | S005, .093(3). A sanction is distinct from an individual transaction consequence. app.leg.wa.gov |
| S_WA-P18-C090 | DFI’s fine authority includes a ceiling of $100 per day for each violation. | S005, .093(4). This is an agency penalty, not a borrower charge. app.leg.wa.gov |
| S_WA-P18-C091 | DFI may order corrective action, causally connected restitution/refunds to damaged persons, and refund of fees received through a violation. | S005, .093(5). Discretion, violation and the particular remedial predicate remain necessary. app.leg.wa.gov |
| S_WA-P18-C092 | A temporary order requires the statutory likely substantial-injury condition. A requested hearing must be held within 14 days of receipt of the request unless the APA provides otherwise. | S005, .093(8). Fourteen days is not stated as the deadline to request the hearing. app.leg.wa.gov |
| S_WA-P18-C093 | License revocation, suspension or surrender does not impair a preexisting lawful contract. | S005, .093(10). This does not validate an unlawfully originated transaction. app.leg.wa.gov |
| S_WA-P18-C094 | Sanction procedures distinguish consent, nonappearance and a hearing with a preponderance showing; examination/investigation-cost recovery has its stated no-violation exception. | S014, .205. No actual administrative process or liability is determined. app.leg.wa.gov |
| S_WA-P18-C095 | DFI has rulemaking and court-enforcement powers subject to the specified statutory conditions and showing. | S012, .165, read completely. Full APA and court procedure remain excluded. app.leg.wa.gov |
| S_WA-P18-C096 | The criminal catchall prescribes a gross misdemeanor for the stated violations/aiding/failure of duty where another penalty is not prescribed. | S013, .175(1). No offense or prosecution finding is made. app.leg.wa.gov |
| S_WA-P18-C097 | Good-faith conformity with specified DFI written materials can defeat the identified civil-penalty/criminal consequences. | S013, .175(2). It is not a general contract-validity or refund immunity; the inaccessible guidance cannot establish conformity. app.leg.wa.gov |
| S_WA-P18-C098 | The CLA declares the regulated practices a public-interest matter, links violations to RCW 19.86.020, and makes CPA remedies cumulative. | S015, .208; S017, 19.86.020. app.leg.wa.gov+1 |
| S_WA-P18-C099 | The private CPA provision requires injury to business or property by the violation; it provides a conditional litigation/remedy framework rather than an automatic award. | S018, 19.86.090. Full damages, jurisdiction, causation construction and actual recovery remain excluded. app.leg.wa.gov |
| S_WA-P18-C100 | Public-interest impact has statutory routes, including incorporation or declaration, and alternative injury/capacity-to-injure routes. | S019, 19.86.093. This does not eliminate the separate private injury/causation requirement. app.leg.wa.gov |
| S_WA-P18-C101 | The CLA’s licensing, order, penalty, remedy and review procedures incorporate chapter 34.05 RCW. | S078, .202. The APA was not completed in this component. app.leg.wa.gov |
| S_WA-P18-C102 | Material prohibitions also address coercing loan completion, baseless liens, appraisal influence, false regulatory submissions, failure to obey DFI directives, dual making/brokering compensation, and servicing usurious loans. | S003, .027(1); S032, -550(6)–(7), (11)–(12), (14), (20), (23). Full usury, collection and agency-process merits remain held. app.leg.wa.gov+1 |
| S_WA-P18-C103 | A purchase loan secured by a live dog or cat and entered on or after July 28, 2019 is expressly addressed by .430’s invalidity provision. | S074; S076 §3. This narrow purpose/collateral exception cannot be ignored in a generic origination framework. app.leg.wa.gov+1 |
| S_WA-P18-C104 | The 2019 act separately supplies ownership/return-of-amounts consequences for its specified void contracts and excludes unsecured purchase-loan repayment contracts from that act’s construction. | S076 §§5–6. The later 2023 prohibition must be considered separately. lawfilesext.leg.wa.gov |
| S_WA-P18-C105 | The 2023 provision prohibits a licensee’s financing or loan for a dog/cat purchase; for loans entered on or after July 23, 2023 it states invalidity and no right to collect, receive or retain principal, interest or charges. | S075; S077 §6. No actual purchase, loan or entitlement is assessed. app.leg.wa.gov+1 |
| S_WA-P18-C106 | Relevant records generally must be retained at least three years after final entry, or longer when applicable federal law requires; the rules identify loan, disclosure, payment and refund records. | S011, .155; S029, -520. No universal borrower-access/correction mechanism is inferred from regulatory retention. app.leg.wa.gov+1 |
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C107 | The 2007 amendment removed the former general six-years-and-fifteen-days duration restriction while retaining the separate add-on duration condition. | S047 §1. No current general maximum term is derived from the deleted language. lawfilesext.leg.wa.gov |
| S_WA-P18-C108 | The 2013 original added the express closing prepaid-interest provision and changed the record-retention text. | S045 §§7–8. Present obligations are stated in C037/C106. lawfilesext.leg.wa.gov |
| S_WA-P18-C109 | The 2015 original added the credit-report component to the specified no-loan charge exception. | S044 §28. Older appraisal-only language is not the current complete exception. lawfilesext.leg.wa.gov+1 |
| S_WA-P18-C110 | The 2018 act contains a DFI implementation transition using January 1, 2019 or final rules, whichever occurs first. | S043 §21. It is not treated as a continuing ordinary-loan exemption. lawfilesext.leg.wa.gov |
| S_WA-P18-C111 | The 2019 adopted amendment deleted an earlier rate-lock/origination-fee aggregation clause. | S052, amendment of -555. Neither the deleted cap nor unrestricted extra-fee permission is adopted here. lawfilesext.leg.wa.gov |
| S_WA-P18-C112 | The latest opened originals for -010 and -510 are the 2022 amendments; the disclosure section still contains product-specific provisions. | S051. No general ordinary-loan three-day disclosure or servicemember rule is inferred from headings alone. lawfilesext.leg.wa.gov+1 |
| S_WA-P18-C113 | The RCW site’s stated update date is July 15, 2026, and its compilation description does not encompass every temporary law. | S057. This is publication information, not a universal October 28 currency guarantee. app.leg.wa.gov |
| S_WA-P18-C114 | WSR 26-14-052 withdrew proposed WSR 25-18-022 after the stated more-than-180-day nonadoption period. | S059. The withdrawn proposal is not operative law. lawfilesext.leg.wa.gov |
| S_WA-P18-C115 | WSR 26-10-087 restarted an inquiry into predatory-loan-prevention and related technical rules. | S058, preproposal. It does not adopt replacement rules. lawfilesext.leg.wa.gov |
| S_WA-P18-C116 | WSR 26-10-088 announced extension of interim guidance through September 1, 2026. | S060. The guidance body was inaccessible; its conditions and any later extension remain unverified. lawfilesext.leg.wa.gov |
| S_WA-P18-C117 | WSR 26-18-028 concerns possible refunds/waivers of licensee fees and assessments, not an adopted borrower-refund formula. | S061, preproposal. lawfilesext.leg.wa.gov |
| S_WA-P18-C118 | The second-half 2026 agenda lists planned subjects; an agenda and search-discovered proposal links do not authenticate adoption or future effectiveness. | S062; S071 access gap. H14. lawfilesext.leg.wa.gov |
| S_WA-P18-C119 | The current -235 text was read, but its cited 2010 adopted original was not authenticated after the permitted two routes failed. | S025/S069/S070. No history-footnote-only claim of an opened original is made. |
| S_WA-P18-C120 | The 2009 CPA amendment’s application clause concerns causes accruing on or after its July 26, 2009 effective date. | S050 §3. No cause accrual or limitation result is determined. lawfilesext.leg.wa.gov |
| S_WA-P18-C121 | The 1991 act contains continuation, severability, codification/repealer and staged effective provisions. | S049 §§19–25. Continued historical rules remain subject to later amendment/repeal. lawfilesext.leg.wa.gov |
| S_WA-P18-C122 | Before purchasing insurance on secured property, the rule requires an attempt by mailed notice to verify existing coverage, except where prior mail was returned undeliverable. | S032, -550(10). This narrow duty does not complete insurance or collateral law. app.leg.wa.gov |
| Distinction | Supported treatment | What remains conditional |
|---|---|---|
| Ordinary simple-interest / add-on / open-end | C024–C027 and C044–C048 identify different computation structures | No product is assigned to one of them |
| Closed-end / credit-card-plan / open-end | Open-end characteristics do not alone establish the credit-card-plan exclusion | C014, C053–C054; federal and statutory category predicates |
| Consumer purpose / commercial actor | Borrower purpose and the lender’s commercial context are separate inquiries | C003/C010; primary-dwelling exception |
| Nonmortgage / nonresidential mortgage / no real-property security | Use the exact phrase in each provision | C004, C085–C088; no interchangeable shorthand in an application |
| Maker / broker / funder / owner | Offering or committing funds can be making; dual compensation has a separate prohibition | C002/C007/C102; ordinary ownership and brokerage capacity remain H03 |
| Servicing / collecting / owning a note | Mortgage definitions do not settle ordinary nonmortgage capacity | C020; collection law remains separate |
| Statutory exemption / rule category / discretionary waiver | Each has different predicates and consequences | C008–C019; stale references are not silently repaired |
| Permitted charge / ceiling / agreed charge | A maximum is not proof that a charge is contractually due | C028–C040 |
| Principal amount / principal balance | Different definitions matter to origination-fee and interest bases | C026; H04 |
| Paid or collected / earned / refundable | Collection timing does not itself settle earning or refund treatment | C029/C037/C072–C080 |
| Advertisement / application / approval / agreement | Availability and advertising duties do not establish contract formation | C058–C064 |
| Paper copy / electronic record / electronic delivery | Record-storage permission does not establish delivery consent | C053/C065; H09 |
| Payment receipt / allocation / satisfaction | Same-day recording, allocation order and full payoff are distinct | C066–C069/C082 |
| Late-charge threshold / default / interest accrual | The ten-day condition is a fee predicate | C038/C069; no universal grace or interest suspension |
| Early payoff / fee refund / rescission | Penalty prohibition and add-on refunds do not create general rescission | C070–C077; H11 |
| New loan / renewal / consolidation / line increase | The specific 120-day rule is authenticated | C078–C081; other classifications remain conditional |
| Refund of old fee / net tangible benefit | Separate exceptions to the successive-loan base restrictions | C080; no benefit result |
| Licensing sanction / transaction invalidity / agency refund | Separate statutory predicates and processes | C085–C097 |
| CPA public interest / private injury / recovery | Public-interest treatment does not establish private injury or an award | C098–C100 |
| Borrower refund / licensee assessment refund | Different subjects | C117 |
| 2019 secured dog/cat rule / 2023 broader prohibition | The old unsecured exclusion cannot serve as current general permission | C103–C105 |
| Current body / adopted original / proposal / guidance | Status and application are independently recorded | C107–C121 and the version/source ledgers |
The following are source constants and symbolic legal relations. None is a supplied financial input, chosen rate, computed charge, payment schedule or calendar result.
| Quantity ID | Quantity or relation | Unit/base and reference event | Endpoint, frequency, exception or unresolved point | Claims |
|---|---|---|---|---|
| Q01 | Interest ≤ 25% per annum | Simple-interest rate; ordinary nonmortgage loan | Inclusive ceiling; not an APR/all-in-charge determination | C024–C025 |
| Q02 | Origination fee ≤ 4% of first $20,000 + 2% thereafter | Principal advanced to or for direct borrower benefit | First tier includes the first $20,000; only excess enters second tier; fee financing does not enlarge the stated base | C028 |
| Q03 | Add-on period ≤ 3 years + 15 days | Repayment period measured after origination | Inclusive maximum; restricted collateral category; no anniversary/calendar method supplied here | C027 |
| Q04 | Prepaid interest ≤ 45 days | Amount collected at closing | Inclusive; collection permission does not resolve earning/refund | C037 |
| Q05 | Annual open-end fee ≤ $50 | Account-opening/maintenance privilege | Per year, in advance, lump sum; not monthly or financed | C034 |
| Q06 | Late charge ≤ 10% | Delinquent installment amount | Installment delinquent 10 days or more; frequency, partial-installment base and pyramiding not resolved | C038 |
| Q07 | $25 or actual institutional charge | Particular returned/denied check, draft, ACH or other transfer | One fee per particular instrument/transfer, including repeated returns; no maximum/minimum selector added | C039 |
| Q08 | 180 days | Filing/public-official charge paid or to be paid | “Within”; exact commencement event not expressly supplied | C033 |
| Q09 | 120 days after prior origination | Same borrower’s preceding loan/line and new loan/increase by the lender | “Within”; endpoint counting held; exceptions in C080 | C078–C080 |
| Q10 | New-money portion only | New-loan proceeds not used to discharge prior amount due | Fee base, not a separately invented maximum fee | C078 |
| Q11 | Increase over existing line only | Difference between new and existing line | Applies to the stated successive-line condition | C079 |
| Q12 | Annual rate ÷ 365 | Open-end daily-rate conversion | Source divisor retained; no leap-year adjustment invented | C045/C047 |
| Q13 | Annual rate ÷ 12 | Open-end monthly-rate conversion | Used with statutory average daily balance | C046 |
| Q14 | Daily balances summed ÷ cycle-day count | Open-end average daily unpaid principal balance | Actual cycle days are a missing input; no value substituted | C046–C047 |
| Q15 | Closing-date variation ≤ 4 days | Same monthly closing date | Inclusive; no operational billing calendar | C044 |
| Q16 | Monthly cycle | Open-end computation period | Reverse-mortgage exception separate; method (iii) cycle aggregation held | C044–C047 |
| Q17 | 7 business days | After qualifying written payoff request | Requesting actor and as-of date required; business-day definition applies | C067 |
| Q18 | Monday–Friday, excluding federal bank holidays | WAC definition of business day | No calendar generated; after-hours and cutoff questions held | C067/C082 |
| Q19 | Same delivery day | Payment received at any licensee location during regular working hours | Statutory recording event; specified federal-program exception; after-hours treatment held | C066 |
| Q20 | 60 business days | When loan is fully paid; collateral reconveyance | Actual full satisfaction and collateral predicate required; broader release law held | C082 |
| Q21 | 12 months without an outstanding balance | Open-end security-release branch | Also requires absence or surrender of unilateral new-balance right | C083 |
| Q22 | “Promptly” | Open-end release after either statutory branch | No numeric deadline supplied in that clause; relationship to other release duties held | C083 |
| Q23 | At least 30 days before increase effectiveness | Written open-end rate-change notice | Inclusive minimum; earlier agreement exception | C056 |
| Q24 | New debt on or after rate-increase effectiveness | Exception to retaining prior terms after termination | Inclusive date language; actual assent/new debt unexamined | C057 |
| Q25 | Balance greater than $1, or interest imposed | End-of-cycle open-end statement | Strict balance endpoint; alternative interest trigger; uncollectible/collection exceptions | C055 |
| Q26 | At least 90 days overdue | Open-end insurance cancellation for delinquency | One or more payments; interim insurer-payment duty and debit permission retained | C043 |
| Q27 | Sum equal to two or more installments | Add-on paid-ahead recalculation | No arrears and continued paid-ahead status; not necessarily two payment events | C074 |
| Q28 | Nearest ¼ of 1% | Annual rate used for actuarial refund | Optional rounding; tie-breaking not supplied | C073 |
| Q29 | On or before the 15th day after scheduled payment date | Add-on required-refund deeming rule | Inclusive endpoint; deemed preceding payment date | C075 |
| Q30 | ≤ 1/30 of first month’s interest per day | Prepayment before first installment due | Days between origination and actual prepayment; endpoint inclusion unresolved | C076 |
| Q31 | At least 3 years after final entry | Relevant record retention | Longer applicable federal period controls where required | C106 |
| Q32 | Up to $100 per day per violation | DFI fine | Inclusive agency maximum; not consumer pricing | C090 |
| Q33 | Hearing within 14 days after request receipt | Temporary-order hearing | APA qualification; not a request-filing deadline | C092 |
| Q34 | Five or fewer transactions per calendar year | Qualifying owner-sale exemption | Inclusive count; other property, security and actor exclusions remain necessary | C011 |
| Q35 | One to four residential units | Rule’s dwelling definition | Real-property attachment is not invariably required; federal incorporation held | C004 |
| Q36 | One business location | Rule’s license definition | Does not complete branch/location administration | C022 |
| Q37 | One or more mailed notices | Attempt to verify existing asset insurance | Prior returned-undeliverable-mail exception; no notice form prepared | C122 |
| Q38 | No fixed minimum charge identified in the relied-on ordinary-loan clauses | Minimum-interest/fee inquiry | Bounded unresolved inquiry, not a statewide absence conclusion | C081 |
| Q39 | No general ordinary-loan count or simultaneous-loan maximum established by these readings | Multiple-loan inquiry | Specific successive-loan and anti-evasion clauses remain relevant | C081 |
| Q40 | No universal closed-end cancellation period established here | Rescission/cancellation inquiry | Federal and product-specific predicates remain held | C064/C077 |
| Q41 | Historical 6 years + 15 days restriction deleted | 2007 amendment | Historical quantity only; not a current cap | C107 |
| Q42 | Legislative/rule dates and staged application events | Version table below | Dates are source dates, not transaction inputs | C087/C107–C121 |
Let PPP denote the legally defined amount advanced for the borrower’s direct benefit; FoF_oFo an otherwise authorized origination fee; rrr the legally applicable annual rate; BdB_dBd the statutory daily unpaid principal balance; and NNN the number of days in the billing cycle. No value is assigned to any variable.
Fo≤0.04min(P,$20,000)+0.02max(P−$20,000,0)F_o \le 0.04\min(P,$20{,}000)+0.02\max(P-$20{,}000,0)Fo≤0.04min(P,$20,000)+0.02max(P−$20,000,0)This expresses only the origination-fee ceiling in C028. It does not establish entitlement, interest on the fee, fee aggregation or a transaction price.
For the open-end methods:
rd=r/365,rm=r/12,B‾=∑dBdNr_d=r/365,\qquad r_m=r/12,\qquad \overline B=\frac{\sum_d B_d}{N}rd=r/365,rm=r/12,B=N∑dBdMethod (i) uses rdBdr_d B_drdBd; method (ii) uses rmB‾r_m\overline BrmB. Method (iii) literally states rdB‾r_d\overline BrdB. No extra multiplier is supplied here to repair method (iii). The statutory additions and deductions defining BdB_dBd remain necessary. S008/S046 support these relations. app.leg.wa.gov+1
For the before-first-installment add-on limitation, let I1I_1I1 denote the first month’s interest and DDD the legally countable days between the specified events:
Iretained≤(I1/30) DI_{\text{retained}}\le (I_1/30),DIretained≤(I1/30)DThe unresolved endpoint-counting question prevents treating this as a completed refund computation. S009/S047. app.leg.wa.gov+1
Issuer L: Washington Legislature/Office of the Code Reviser, official RCW publication. All rows below are current online bodies as accessed on the research date, unless expressly described otherwise. The “original” column identifies an opened latest material amending original, not a claim that every historical enactment was opened.
| Source ID | Issuer, title and complete literal HTTPS URL | Actual read bounds; status; use |
|---|---|---|
| S_WA-P18-S001 | L — Consumer Loan Act, definitions, RCW 31.04.015. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 | Complete (1)–(39), history/notes. Current; original S043 §9. Scope, computation and incorporation boundaries. |
| S_WA-P18-S002 | L — Application, RCW 31.04.025. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 | Complete (1)–(7), history/application notes. Current; original S042 §2/§5. |
| S_WA-P18-S003 | L — Prohibited conduct, RCW 31.04.027. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.027 | Complete (1)(a)–(o), (2), (3), history. Current; S042 §3. Student subsection read for exclusion. |
| S_WA-P18-S004 | L — License requirement/consequences, RCW 31.04.035. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035 | Complete (1)–(3), history/application notes. Current; S042 §§4–5. |
| S_WA-P18-S005 | L — Director’s powers, RCW 31.04.093. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.093 | Complete (1)–(13), history. Current; S043 §13. Only necessary consequence interfaces used. |
| S_WA-P18-S006 | L — Disclosure, RCW 31.04.102. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.102 | Complete (1)–(6), history. Current; S043 §14 and S044 §27. Federal and mortgage branches bounded. |
| S_WA-P18-S007 | L — Licensee powers/restrictions, RCW 31.04.105. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.105 | Complete (1)–(10), history/notes. Current; S044 §28, S045 §7. |
| S_WA-P18-S008 | L — Open-end requirements/restrictions/options, RCW 31.04.115. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.115 | Complete (1)–(8), history. Current; S046 §13. |
| S_WA-P18-S009 | L — Loan restrictions/interest calculations, RCW 31.04.125. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.125 | Complete (1)–(4), history. Current; S047 entire amending act. |
| S_WA-P18-S010 | L — Advertising, RCW 31.04.135. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.135 | Complete operative paragraph/history. Current; S049 §14. |
| S_WA-P18-S011 | L — Books/records/reports, RCW 31.04.155. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.155 | Complete four operative paragraphs/history. Current; S045 §8. Annual administrative reporting read but not expanded. |
| S_WA-P18-S012 | L — Rules/enforcement powers, RCW 31.04.165. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 | Complete (1)–(5), history. Current; S043 §16. |
| S_WA-P18-S013 | L — Penalties/good-faith conformity, RCW 31.04.175. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.175 | Complete (1)–(2), history. Current; S048 §14. |
| S_WA-P18-S014 | L — Sanctions/costs, RCW 31.04.205. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205 | Complete (1)–(2), history. Current; S044 §30. |
| S_WA-P18-S015 | L — CPA application, RCW 31.04.208. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.208 | Complete two operative paragraphs/history. Current; S048 §17. |
| S_WA-P18-S016 | L — Authority provision, RCW 31.04.211. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.211 | Complete paragraph/history read. Its 2009 c 120 §9 original was not opened; no indispensable new remedy relies on it. |
| S_WA-P18-S017 | L — Unfair methods/acts, RCW 19.86.020. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.020 | Complete operative paragraph/history. Current bridge only; 1961 original not opened. |
| S_WA-P18-S018 | L — Private CPA action, RCW 19.86.090. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090 | Complete operative paragraphs and notes. Current; S050 §1/§3. Full damages/jurisdiction merits excluded. |
| S_WA-P18-S019 | L — Public-interest impact, RCW 19.86.093. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.093 | Complete (1)–(3), history. Current; S050 §§2–3. |
| S_WA-P18-S074 | L — Dog/cat purchase security contracts, RCW 31.04.430. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.430 | Complete body/history. Current; S076 §§3, 5–6. Narrow ordinary-loan purpose boundary. |
| S_WA-P18-S075 | L — Dog/cat financing prohibition, RCW 31.04.435. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.435 | Complete body/history. Current; S077 §6. |
| S_WA-P18-S078 | L — APA application, RCW 31.04.202. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.202 | Complete paragraph/history. Current; S048 §15. Underlying APA held. |
Issuer D: Washington Department of Financial Institutions; official codification by the Office of the Code Reviser. “Complete” below concerns the identified section, not all of chapter 208-620 WAC.
| Source ID | Title and complete literal HTTPS URL | Actual read bounds; original; use |
|---|---|---|
| S_WA-P18-S020 | Definitions, WAC 208-620-010. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-010 | Complete (1)–(46), history. Current; S051. Business day, dwelling, principal and family boundaries. |
| S_WA-P18-S021 | Interpretation of definitions, -011. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-011 | Complete (1)–(14), history. Current; S053. |
| S_WA-P18-S022 | Licensing exemptions, -104. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-104 | Complete (1)–(10), history. Current; S053. Stale references expressly retained as gaps. |
| S_WA-P18-S023 | License requirement, -230. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-230 | Complete (1)–(3), history. Current; S053. |
| S_WA-P18-S024 | Mortgage-servicing licensing boundary, -231. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-231 | Complete (1)–(4), history. Current; S054. Boundary only. |
| S_WA-P18-S025 | Maximum interest, -235. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-235 | Complete operative sentence/history. Current; cited original 10-20-122 not authenticated: S069/S070. |
| S_WA-P18-S026 | Other applicable laws, -505. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-505 | Complete paragraph/history. Current; S053. Incorporation map only. |
| S_WA-P18-S027 | Disclosure requirements, -510. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-510 | Complete preamble and (1)–(9), history. Current; S051. Product-specific branches not imported. |
| S_WA-P18-S028 | Interest/open-end fee/insurance provisions, -515. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-515 | Complete (1)–(6), history. Current; S053. |
| S_WA-P18-S029 | Records, -520. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-520 | Complete preamble and (1)–(5), history. Current; S052. |
| S_WA-P18-S030 | Electronic records, -530. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-530 | Complete (1)–(4), history. Current; S054. |
| S_WA-P18-S031 | Third-party funds, -540. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-540 | Complete paragraph/history. Current; S056. |
| S_WA-P18-S032 | Prohibited business practices, -550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550 | Complete preamble and (1)–(24), history. Current; S052. |
| S_WA-P18-S033 | Allowable fees/timing, -555. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-555 | Complete (1)–(3), including all subparagraphs, history. Current; S052. Mortgage subsection distinguished. |
| S_WA-P18-S034 | Licensing-related refund text, -556. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-556 | Complete (1)–(2), history. Current posted rule; S056. Compared with 2024 statute. |
| S_WA-P18-S035 | Restricted/conditional fees, -560. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-560 | Complete preamble and (1)–(4), history. Current; S052. |
| S_WA-P18-S036 | Prohibited loan fees, -563. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-563 | Complete (1)–(2), history. Current; newly adopted in S052. |
| S_WA-P18-S037 | Advertising identity requirements, -620. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-620 | Complete operative body/history. Current; S052. |
| S_WA-P18-S038 | URL/assumed-name requirements, -621. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-621 | Complete operative body/history. Current; S052. |
| S_WA-P18-S039 | Electronic advertising, -622. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-622 | Complete operative body/history. Current; S052. MLO-specific incorporation not expanded. |
| S_WA-P18-S040 | Advertising prohibitions, -630. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-630 | Complete (1)–(9), history. Current; S052. |
| S_WA-P18-S041 | Federal advertising requirements, -640. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-640 | Complete paragraph/history. Current; S055. Underlying federal bodies held. |
For PDFs, p. means the printed page and index means the zero-based PDF page index.
| Source ID | Issuer/title and complete literal HTTPS URL | Actual read bounds and status |
|---|---|---|
| S_WA-P18-S042 | L — 2024 c 249, SSB 6025, Predatory Loan Prevention Act. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2 | Entire instrument: cover index 0; §§1–5, pp.1–7/indices1–7; certification/end. Enacted; effective June 6, 2024; §5 application read. |
| S_WA-P18-S043 | L — 2018 c 62, E2SSB 6029. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+9 | Cover/index0; complete §9 pp.14–20/indices14–20; §12 p.23/index23; §13 pp.23–27/indices23–27; §14 pp.27–28/indices27–28; §16 pp.30–31/indices30–31; §§20–23 p.32/index32. Selected complete sections, not entire act. |
| S_WA-P18-S044 | L — 2015 c 229, SSB 5299. https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/5299-S.SL.pdf?cite=2015+c+229+s+28 | Cover/index0; complete §27 pp.42–43/indices42–43; §28 pp.43–44/indices43–44; §30 p.46/index46; terminal §37 p.51/index51 through end p.52/index52. Other act sections not claimed complete. |
| S_WA-P18-S045 | L — 2013 c 29, SB 5207. https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/5207.SL.pdf?cite=2013+c+29+s+8 | Cover/index0; complete §7 pp.14–15/indices14–15; §8 pp.15–16/indices15–16; terminal §12/end p.20/index20. |
| S_WA-P18-S046 | L — 2009 c 149, EHB 1311, session-law HTML. https://lawfilesext.leg.wa.gov/biennium/2009-10/Htm/Bills/Session%20Laws/House/1311.SL.htm | Header/effective information; complete §13(1)–(8); terminal certification/end. Parsed lines134–159. Used for .115; other reverse-mortgage merits excluded. |
| S_WA-P18-S047 | L — 2007 c 208, HB 1270. https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/House/1270.SL.pdf?cite=2007+c+208+s+1 | Entire instrument: cover/index0; §1 pp.1–2/indices1–2; end. Enacted amendment of .125. |
| S_WA-P18-S048 | L — 2001 c 81, HB 1205. https://lawfilesext.leg.wa.gov/biennium/2001-02/Pdf/Bills/Session%20Laws/House/1205.SL.pdf?cite=2001+c+81+s+14 | Cover/index0; complete §§14–15 p.15/index15; §16 pp.15–16/indices15–16; §17/end p.16/index16. Selected sections only. |
| S_WA-P18-S049 | L — 1991 c 208, SHB 1743. https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/1743-S.SL.pdf?cite=1991+c+208+s+14 | Complete §14 p.14/index15; §§19–25 pp.17–20/indices18–21, including continuation/effective clauses and end. Printed-page/index offset differs from the other listed PDFs. |
| S_WA-P18-S050 | L — 2009 c 371, SSB 5531. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1 | Entire instrument: cover/index0; §§1–3 pp.1–2/indices1–2; end. CPA amendment/application interface only. |
| S_WA-P18-S076 | L — 2019 c 340, SHB 1476. https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+3 | Entire instrument: cover/index0; pp.1–4/indices1–4; §§1–6/end. Relied §3 p.2/index2 and §§5–6 p.4/index4. Lease/retail merits not expanded. |
| S_WA-P18-S077 | L — 2023 c 208, ESHB 1424. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+6 | Cover/index0; complete §6 p.7/index7 and terminal certification/end. Other sections displayed incidentally are not claimed as completed sector coverage. |
These are DFI adoption records published in the Washington State Register. HTML section bounds identify the complete rules actually read, rather than claiming the entire rulemaking instrument.
| Source ID | Instrument and complete literal HTTPS URL | Actual read bounds |
|---|---|---|
| S_WA-P18-S051 | WSR 22-24-048. https://lawfilesext.leg.wa.gov/law/wsr/2022/24/22-24-048.htm | Header/adoption/effective information; complete amended -010 and -510. Parsed lines0–36, 38–122, 164–231. |
| S_WA-P18-S052 | WSR 19-21-157. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm | Header lines0–51; complete -520, -550, -555, -560, new -563, -620, -621, -622, -630 at lines231–471; complete -240 repealer lines672–676. |
| S_WA-P18-S053 | WSR 18-24-013. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm | Header lines0–46; complete -011 lines188–259; -104 lines263–300; -230 lines303–316; -505 lines523–525; -515 lines594–608. |
| S_WA-P18-S054 | WSR 18-16-024. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm | Header/effective information; complete -231 lines236–245 and -530 lines407–413. Historical -550 lines417–449 also read for comparison; current -550 is S032/S052. |
| S_WA-P18-S055 | WSR 16-08-026. https://lawfilesext.leg.wa.gov/law/wsr/2016/08/16-08-026.htm | Header/adoption/effective information; complete -640 lines187–188. Historical -240 text also read, then checked against its later repeal. |
| S_WA-P18-S056 | WSR 13-24-024. https://lawfilesext.leg.wa.gov/law/wsr/2013/24/13-24-024.htm | Header/adoption/effective information; complete -540 line145 and -556 line175. Historical -555 lines160–174 and -560 lines176–183 read only for version comparison. |
| Source ID | Issuer/title and complete literal HTTPS URL | Actual access/read status and permitted use |
|---|---|---|
| S_WA-P18-S057 | L — RCW publication/currentness page. https://app.leg.wa.gov/rcw/default.aspx | Currency/compilation paragraphs read completely, parsed lines130–138. Publication information only. |
| S_WA-P18-S058 | D — WSR 26-10-087 preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm | Complete notice, lines0–25. Filed May 6, 2026; no adoption. |
| S_WA-P18-S059 | D — WSR 26-14-052 withdrawal. https://lawfilesext.leg.wa.gov/law/wsr/2026/14/26-14-052.htm | Complete notice, lines0–15. Filed June 25, 2026. |
| S_WA-P18-S060 | D — WSR 26-10-088 guidance-extension notice. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-088.htm | Complete notice, lines0–26. Notice only; underlying guidance S072 failed. |
| S_WA-P18-S061 | D — WSR 26-18-028 licensee-fee preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm | Complete notice, lines0–27. Filed August 25, 2026. |
| S_WA-P18-S062 | D — WSR 26-12-044 agenda. https://lawfilesext.leg.wa.gov/law/wsr/2026/12/26-12-044.htm | Complete agenda, lines0–32. Filed May 28, 2026; July–December agenda, not adoption. |
| S_WA-P18-S063 | Code Reviser — DFI agency register index. https://lawfilesext.leg.wa.gov/law/wsr/agency/FinancialInstitutions,Departmentof.htm | Selected current entries and historical original links, including initial lines through approximately139. Index, not operative coverage or exhaustive currentness certification. |
| S_WA-P18-S064 | Code Reviser — WAC chapter index/disposition. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true | Chapter headings/index portions, including lines157–272, and -240 disposition lines314–315. Not a complete chapter reading. |
| S_WA-P18-S065 | L — RCW 31.04 chapter index. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04&full=true | Index headings, including lines133–208; discovery of narrow purpose provisions. Not complete chapter coverage. |
| S_WA-P18-S066 | D — WSR 26-16-061. https://lawfilesext.leg.wa.gov/law/wsr/2026/16/26-16-061.htm | Header/subject portion through line96; retirement-program subject. Excluded as unrelated. |
| S_WA-P18-S067 | D — WSR 26-15-068. https://lawfilesext.leg.wa.gov/law/wsr/2026/15/26-15-068.htm | Header/subject portion through line61; investment-adviser subject. Excluded as unrelated. |
| S_WA-P18-S068 | L — HB 1311 document index. https://app.leg.wa.gov/bi/Tld/DocumentSearchResults?biennium=2009-10&name=1311 | Document-list portion lines134–173; session-law HTML link used. No rollcall/person investigation. |
| S_WA-P18-S069 | Code Reviser — WSR 10-20-122 HTML. https://lawfilesext.leg.wa.gov/law/wsr/2010/20/10-20-122.htm | Timeout; no adopted body authenticated. |
| S_WA-P18-S070 | Code Reviser — 2010 issue 20 permanent-rule PDF. https://lawfilesext.leg.wa.gov/law/wsr/2010/20/10-20PERM.pdf | One materially different route after S069; tool size limit; no body authenticated. |
| S_WA-P18-S071 | D — Predatory Loan Prevention Act rulemaking page. https://dfi.wa.gov/rulemaking/predatory-loan-prevention-act-rulemaking | HTTP403. Official Register route used instead. Search-discovered 2026 proposal links remain unverified. |
| S_WA-P18-S072 | D — CLA guidance PDF. https://dfi.wa.gov/sites/default/files/2026-06/cla-24-02.pdf | HTTP403. Alternate official notice S060 establishes only the notice’s contents, not the guidance conditions. |
| S_WA-P18-S073 | L — 2009 c 149 session-law PDF. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1311.SL.pdf?cite=2009+c+149+s+13 | Initial metadata/partial retrieval; targeted body access failed. Complete §13 was read through alternate HTML S046. Same instrument, not independent corroboration. |
Discovered but not read as operative sources: proposed WSR 25-18-022, https://lawfilesext.leg.wa.gov/Law/WSR/2025/18/25-18-022.htm; search-discovered 2026 proposal links on the inaccessible DFI rulemaking page; an agency newsletter result; archive listings. Their snippets were not used as law.
| Instrument | Verified date/status | Material relationship | Application/savings/transition qualification |
|---|---|---|---|
| 1991 c 208, S049 | Enacted; §§1–23 effective January 1, 1992; §24 effective January 1, 1993 | Original .135 and CLA transition provisions examined | §§19–25 include continuation, severability and repealers. No claim that a continued rule escaped later repeal. |
| 2001 c 81, S048 | Effective July 22, 2001 | Current .175, .202 and .208 bodies traced to complete selected original sections | Only identified sections and end were read; no complete historical licensing administration. |
| 2007 c 208, S047 | Effective July 22, 2007 | General term restriction deleted; add-on framework republished | Entire amending act read. Earlier 1995 origination of retained language not independently reconstructed. |
| 2009 c 149, S046 | Effective July 26, 2009 | .115 republished with reverse-mortgage exceptions | Complete §13 and terminal material read; reverse-mortgage merits excluded. |
| 2009 c 371, S050 | Effective July 26, 2009 | CPA private-action/public-interest amendments | §3 applies to causes accruing on or after effectiveness; no actual accrual determination. |
| 2013 c 29, S045 | Effective July 28, 2013 | Closing prepaid interest and record retention changes | Complete relied §§7–8, cover and terminal section read; not the entire act. |
| 2015 c 229, S044 | Effective July 24, 2015 | Current .105 and .205 amendments; disclosure comparison | Complete relied §§27,28,30 and terminal material read; no act-wide savings certification. |
| 2018 c 62, S043 | General effective date June 7, 2018 | Definitions, disclosure and agency powers republished/amended | §21’s earlier-of implementation event, §22 severability and terminal clauses read. No student-merits reuse. |
| 2019 c 340, S076 | Effective July 28, 2019 | Narrow secured dog/cat rule, accompanying consequences and exclusion | Entire act read; date and secured/unsecured distinction preserved. |
| 2023 c 208, S077 | Effective July 23, 2023 | Broader dog/cat financing prohibition | §6 expressly uses on-or-after effectiveness; older unsecured exclusion does not override it. |
| 2024 c 249, S042 | Effective June 6, 2024 | New anti-evasion language and materially changed nonresidential licensing consequence | Entire act read. §5 prospective clause accompanies all relied 2024 changes. Earlier loans are excluded unless modified/renegotiated after the stated date. |
| WSR 13-24-024, S056 | Filed November 22, 2013; effective January 1, 2014 | Current -540/-556 originals; older fee text compared | Later statutes/rules must be considered; -556 is not treated as the complete post-2024 consequence. |
| WSR 16-08-026, S055 | Filed/adopted March 30, 2016; effective April 30, 2016 | Current -640 original; historical -240 inspected | -240 later repealed. |
| WSR 18-16-024, S054 | Filed July 24, 2018; effective September 1, 2018 | Current -231/-530 originals | Mortgage-specific capacity remains mortgage-specific. |
| WSR 18-24-013, S053 | Filed/adopted November 27, 2018; effective January 1, 2019 | Current -011/-104/-230/-505/-515 originals | Republished ordinary language was freshly read; student headings do not settle ordinary coverage. |
| WSR 19-21-157, S052 | Filed/adopted October 22, 2019; effective November 24, 2019 | Current fee, practice, record and advertising rules; new -563 | Deleted former rate-lock aggregation language; repealed -240. Both changes verified in the original. |
| WSR 22-24-048, S051 | Filed/adopted November 30, 2022; effective December 31, 2022 | Latest opened -010/-510 originals | Product-specific disclosure boundaries preserved. |
| WSR 10-20-122, S069/S070 | Original inaccessible | History cited by current -235 | No opened-original claim; current ceiling separately supported by statute and -515. |
| WSR 26-10-087, S058 | Filed May 6, 2026; preproposal | Renewed rulemaking inquiry | Not adopted text. |
| WSR 26-14-052, S059 | Filed June 25, 2026; withdrawal | Withdraws 25-18-022 | Withdrawal notice authenticated; proposal merits not relied on. |
| WSR 26-10-088, S060 | May 6, 2026 notice; stated extension through September 1, 2026 | Interim-guidance status | Full guidance and any later extension remain unverified. |
| WSR 26-18-028, S061 | Filed August 25, 2026; preproposal | Licensee fee/assessment refund inquiry | Not borrower-refund law. |
| WSR 26-12-044, S062 | Filed May 28, 2026; July–December agenda | Planned rulemaking subjects | An agenda is not an effective-date or adoption instrument. |
The adopted-original comparisons above are supported by the complete identified original sections, not merely current-code history footnotes. lawfilesext.leg.wa.gov+5
“Adverse inference excluded” means a conclusion this report does not support.
| Branch | Missing predicate | Supported conditional consequence | Adverse inference excluded | Exact next generic inquiry |
|---|---|---|---|---|
| B01 — Loan category | Money-lent/charge structure, purpose and statutory product category | C001–C004 identify applicable classification tests | A marketed “advance” or “installment” label decides the law | Complete any additional adopted category definition and its express exclusions |
| B02 — Territorial nexus | Residence, physical location and relevant activity | C005–C007 identify alternative nexus/evasion routes | No Washington office means no Washington law | Resolve generic interstate/preemption construction without provider or transaction lookup |
| B03 — Depository agency arrangement | Permitted banking activity; excess-rate predicate; economic interest/structure | C007/C008 permit only conditional analysis | Either asserted bank involvement or nonbank involvement automatically decides coverage | Complete incorporated banking/preemption authorities and generic attribution construction |
| B04 — Business-purpose exclusion | Primary purpose and primary-dwelling security | C010 preserves exclusion and exception | Any commercial lender or “business” label makes the loan exempt | Complete purpose/collateral construction; no actual property inquiry |
| B05 — Nonprofit/family/isolated lending | Exact statutory/rule category and incorporated standards | C011–C019 provide narrow routes | Nonprofit, relative or occasional status creates universal immunity | Reconcile current statute with -104 and complete relevant program/tax/SAFE incorporation |
| B06 — Ownership/servicing | Activity, product, rights and separate licensing law | C020 prevents mortgage exclusions from doing ordinary-loan work | An ordinary note purchaser needs no authority, or necessarily needs the same authority as a maker | Separate generic ordinary debt ownership/servicing/collection-capacity inquiry |
| B07 — Financed origination fee | Legally applicable interest base and fee treatment | C026/C028 establish distinct amount/balance concepts and cap | Financing automatically authorizes interest on the fee or fee-on-fee origination | Reconcile .015(31), .105(2), -010(32)–(33), -011(12) |
| B08 — Additional fee | Category, actual service/cost, writing, timing and aggregate authority | C029–C036 provide conditional permissions/prohibitions | Mention of a fee independently authorizes any amount | Complete fee-aggregation and rate-lock/discount-point construction |
| B09 — Late/dishonor charge | Qualifying delinquency or return, agreed terms and fee history | C038/C039 establish specified ceilings/events | Failed payment establishes default, fraud, repeated fees or all collection costs | Resolve generic partial-payment, frequency and contractual-entitlement questions |
| B10 — Allocation | Applicable category, lawful payment terms and statutory ordering | C068 preserves both texts | Contract language overrides statutory ordering | Obtain authoritative generic reconciliation; no actual contract |
| B11 — Receipt/payoff | Delivery conditions or qualifying written request | C066/C067 support defined duties | Processing date, after-hours delivery and effective credit are interchangeable | Examine any current ordinary-loan rule addressing those distinct events |
| B12 — Add-on refund | Eligible add-on loan, full early payment, paid-ahead/arrears conditions | C072–C076 identify refund method branches | Every prepayment uses the same formula or refunds every fee | Resolve method definitions, rounding ties and counting conventions |
| B13 — Simple-interest payoff | Valid accrued-interest base and lawful fees | C025/C070 establish structural limits | No penalty means every previously collected charge is unearned | Complete prepaid-interest earning/refund and contractual payoff requirements |
| B14 — Successive loan | Prior origination, same borrower/lender, new-money amount or line increase | C078/C079 restrict the fee base | Every renewal is prohibited, or passage of a label avoids the rule | Complete renewal/consolidation definitions and 120-day endpoint construction |
| B15 — Refinance exception | Old-fee refund or demonstrated benefit including fees | C080 provides separate exceptions | Lower payment alone proves benefit | Complete generic net-benefit standards and interaction with all fee restrictions |
| B16 — Unlicensed transaction | Chapter coverage, required-license violation, loan category and application date | C085–C088 identify express statutory branches | Every pricing error voids a loan, or older refund text exhausts current consequences | Resolve 2024 prospective application and older-rule comparison |
| B17 — Agency relief | Violation, damage/fee nexus, process and exercise of authority | C089–C097 identify available powers and exceptions | Complaint, sanction or possible power equals an actual refund or criminal result | Complete only the necessary APA/remedial construction in its separate component |
| B18 — Private CPA route | Statutory violation, business/property injury and causation | C098–C100 identify the bridge | Public-interest declaration alone establishes recovery | Separate CPA injury/causation and judicial-construction work |
| B19 — Collateral release | Full satisfaction or open-end release branch | C082/C083 identify source duties | Scheduled payment, payoff quote or zero balance necessarily terminates every security interest | Complete applicable release/satisfaction law and reconcile timing clauses |
| B20 — Narrow prohibited purpose | Statutory purchase purpose, collateral where relevant, and application date | C103–C105 identify distinct express consequences | The 2019 unsecured exclusion authorizes post-2023 prohibited financing | Preserve both originals and complete only any indispensable construction |
| B21 — Federal disclosure/protected party | Federal product/person coverage and delivery conditions | C049/C050/C064 identify bridges | State reference proves federal compliance, rescission or damages | Complete relevant TILA/Reg Z, E-SIGN, military or other federal provisions |
| B22 — 2026 change | Authenticated adopted text, filing, effective and application clauses | C114–C118 classify verified records | Proposal, agenda or inaccessible link changes operative law | One permitted ordinary official route to the actual later instrument if discovered; no bypass |
All evidence, predicate, interpretation and result cells are intentionally empty.
| Conceptual field | Evidence | Predicate | Interpretation | Result |
|---|---|---|---|---|
| Statutory loan category | ||||
| Actor/activity category | ||||
| Purpose category | ||||
| Territorial nexus | ||||
| Exemption or waiver basis | ||||
| Collateral category | ||||
| Applicable statutory version | ||||
| Applicable rule version | ||||
| Interest method | ||||
| Legally defined interest base | ||||
| Origination-fee authority | ||||
| Other charge authority | ||||
| Agreement requirement | ||||
| Disclosure incorporation | ||||
| Delivery/consent requirement | ||||
| Payment receipt rule | ||||
| Allocation rule | ||||
| Payoff-information rule | ||||
| Prepayment rule | ||||
| Refinance/new-loan distinction | ||||
| Refund or credit predicate | ||||
| Collateral-release predicate | ||||
| Consequence provision | ||||
| Application/transition clause | ||||
| Unresolved incorporation | ||||
| Unresolved construction |
| Requested question/material subquestion | Coverage disposition | Evidence/claims | Exact remaining boundary |
|---|---|---|---|
| 1 — Actual ordinary loan definition | Authenticated | S001/S020/S021; C001–C004 | No actual classification |
| 1 — Making/offering/committing/funding | Authenticated statutory distinction | C002/C007 | Separate funding/ownership facts absent |
| 1 — Brokering and dual compensation | Narrowly authenticated | C102; .015(17), .105(4), -550(20) | Full ordinary brokerage authorization not completed |
| 1 — Ownership/servicing/collecting | Boundary authenticated; positive capacity held | C020 | H03; mortgage exclusions cannot be generalized |
| 1 — Consumer/business/commercial/agricultural purpose | Authenticated conditional framework | C003/C010 | Purpose construction and actual application absent |
| 1 — Dwelling/real/personal collateral | Necessary distinction authenticated | C004/C027 | Federal dwelling and full secured law held |
| 1 — Territory/remote/anti-evasion | Authenticated | C005–C007 | Interstate/tribal/preemption construction held |
| 1 — Banks/credit unions | Conditional exclusion read | C008 | Incorporated banking authority held |
| 1 — Public/nonprofit/housing programs | Conditional exclusions read | C012–C013 | Program/tax incorporations not completed |
| 1 — Isolated/family/seller transactions | Rule/statute boundaries read | C011/C019 | Stale references and SAFE predicates held |
| 1 — Retail/pawn/payday/credit card/student/EWA | Boundaries recorded | C009/C014/C021 | Separate sector merits excluded; EWA current law unresolved |
| 1 — Narrow licensing gateway | Authenticated | C022/C085–C088 | Full licensing administration deliberately excluded |
| 2 — Interest ceiling/method/base | Authenticated with comparison holds | C024–C027 | H04/H05/H07 |
| 2 — Origination fee/tier/financing | Authenticated | C028/Q02 | Entitlement and interest-on-fee held |
| 2 — Third-party/admin/underwriting/filing charges | Authenticated conditions | C029–C033 | Broken reference and aggregate authority held |
| 2 — Annual/minimum/percentage/flat charges | Annual/percentage/flat provisions authenticated | C034/C038–C039/Q38 | No universal minimum-charge conclusion |
| 2 — Rate lock/discount points/double charges | Conditions and historical deletion authenticated | C035–C036/C102/C111 | H06 |
| 2 — Late/dishonor/collection expenses | Authenticated narrow provisions | C038–C040 | Frequency, default and full collection law held |
| 2 — Simultaneous/successive loans/anti-evasion | Successive-loan rule and anti-evasion read | C006–C007/C078–C081 | No universal count or consolidation definition |
| 2 — Insurance charges | Narrow state bridges authenticated | C041–C043/C122 | Title 48 and policy merits held |
| 3 — Written agreement and borrower copy | Open-end requirements authenticated | C053–C057 | Full ordinary closed-end checklist remains H09 |
| 3 — Preclosing review/signature/blanks | Authenticated | C041/C051–C052 | No form prepared; electronic execution held |
| 3 — Disclosure/form/timing | State bridges and product boundaries read | C049–C050/C064 | Complete federal bodies not read |
| 3 — Language/accessibility/electronic delivery | Exact gap recorded | C064–C065 | Storage rule does not answer consent/delivery |
| 3 — Advertising/representations/availability | Authenticated state requirements | C058–C062 | Federal calculation/model compliance held |
| 3 — Nonwaiver | Narrow closing prohibition authenticated | C063 | No universal contract judgment |
| 4 — Receipt/crediting/payoff | Defined duties authenticated | C066–C067 | After-hours/electronic receipt and effective credit held |
| 4 — Allocation/partial payments | Statute/rule comparison authenticated | C068/C074 | H05/H10 |
| 4 — Over/underpayment/due-date/default/grace | Bounded gaps recorded | C069 | No imported mortgage/student rules |
| 4 — Record retention/access/correction | Retention authenticated | C065/C106 | No universal consumer-access/dispute mechanism established |
| 5 — Prepayment penalty/full payoff | Authenticated | C070–C071 | Refund and satisfaction remain distinct |
| 5 — Add-on unearned-interest refund | Complete material state branches authenticated | C072–C076 | Method implementation, ties/counting held |
| 5 — Ordinary simple-interest/prepaid-interest refund | Structural duties; exact remaining gap | C025/C037/C077 | H11 |
| 5 — Cancellation/rescission | No universal state right inferred | C049/C064/C077 | Federal/product predicates held |
| 5 — Refinancing/renewal/consolidation/line increase | Specific 120-day branches authenticated | C078–C081 | Definition, endpoint and benefit construction held |
| 5 — Release/satisfaction | Narrow duties authenticated | C082–C083 | Full secured law excluded |
| 6 — Prohibited conduct/consequence interfaces | Authenticated within scope | C063/C085–C106/C122 | No accusation or actual consequence |
| 6 — 2024 validity versus older rule refunds | Express comparison completed | C085–C088 | H13 |
| 6 — Agency refund/restitution/process | Necessary powers/predicates read | C089–C097/C101 | APA/court process and actual relief excluded |
| 6 — CPA/private action | Necessary bridge/predicates read | C098–C100/C120 | Full CPA damages/judicial construction separate |
| 6 — Narrow prohibited loan purposes | Authenticated | C103–C105 | No full retail/animal-sale component |
| 7 — Material adopted originals | Opened bounds specified | S042–S056/S076–S077 | Earlier unexamined history remains H15 |
| 7 — Effective/application/savings clauses | Material clauses read and registered | Version table | No act-wide claim beyond stated bounds |
| 7 — 2024 prospective qualification | Authenticated in entire original | C087 | Same-day modification/other construction not invented |
| 7 — 2025–2026 proposed/future status | Bounded discovery completed | C113–C118 | Inaccessible proposal/guidance and later adoption remain H14 |
| Deliberate exclusions | Preserved | Prior-scope matrix and holds | Full P8/P16/P17, retail/pawn/title, adjustment, collection, court, bankruptcy, usury, federal, local/tribal and actual-transaction work |
The source ledger supplies the complete operative read inventory. This table records how those readings were bounded.
| Log item | Actual activity | Result and limitation |
|---|---|---|
| R01 | Opened RCW/WAC chapter indexes and searched within them for relevant headings and terms | Discovery only; did not count the indexes as complete chapter readings |
| R02 | Opened the complete current RCW sections listed in S001–S019 | Definitions, exceptions, pricing, disclosure and consequence bodies read; incorporated external chapters separately held |
| R03 | Opened the complete current WAC sections listed in S020–S041 | Ordinary, mortgage and student branches distinguished within complete sections |
| R04 | Followed official statutory-history links to S042–S050 | Read the exact complete sections and application/terminal clauses recorded in the source ledger |
| R05 | Located and opened adopted rule originals S051–S056 | Read complete relied rule sections, headers and material repealer/deletion text |
| R06 | Used official document index S068 after the 2009 PDF route failed | Opened the session-law HTML and completed §13; no person/rollcall investigation |
| R07 | Checked -240 disposition and the adopted repealer after its individual route failed | Established repeal from affirmative official text, not from failed access |
| R08 | Opened current .430/.435 and their originals S076/S077 | Added only the narrow ordinary-loan purpose/consequence boundaries |
| R09 | Opened .202 and matched its original §15 in S048 | Recorded APA incorporation without completing APA merits |
| R10 | Opened currentness/publication material and complete 2026 notices S057–S062 | Distinguished preproposal, withdrawal, agenda and guidance notice from adopted law |
| R11 | Inspected the subject/header portions of S066/S067 | Excluded unrelated retirement/investment-adviser rules |
| R12 | Used within-page finds for “receipt,” “agreement,” “partial,” “prepay,” “refinanc,” “earned,” “minimum,” relevant WAC numbers and original section numbers | Followed relevant hits with section reads; unsuccessful stem searches were not treated as proof of absence |
| R13 | Rechecked complete .125, -555, -560, .025, .115, -550, .105 and -104 during synthesis | Confirmed refund endpoints, fee conditions, prohibited-practice scope and stale-reference distinctions; no failed route was retried |
| R14 | Rechecked selected .015/-011 text during synthesis | Earlier complete-section reads remain the coverage basis; truncated combined output was not counted as a new complete reading |
| R15 | Examined the supplied prior-pass metadata only for scope preservation | No external prior-chat or prior-file inspection, import or independent-review claim |
Searches were restricted to official-source discovery. “Engine 1/2” distinguishes the two available search systems; recency was a discovery filter, not a currency certification.
| Search batch | Exact queries | Material result |
|---|---|---|
| D01 — Engine 1, 365-day filter | site:app.leg.wa.gov "31.04.105" "2026"; site:lawfilesext.leg.wa.gov "208-620" "2026" "nonmortgage"; site:dfi.wa.gov "consumer loan" "2026" "Predatory Loan" | Current body, rulemaking/guidance routes, 2026 fee preproposal |
| D02 — Engine 1, 365-day filter | site:lawfilesext.leg.wa.gov/law/wsr/2026 "predatory loan" "208-620"; site:lawfilesext.leg.wa.gov/law/wsr/2026 "208-620" "PERMANENT RULES"; site:leg.wa.gov "2026" "31.04" "consumer" "chapter" | Preproposal, withdrawal, guidance and proposal discovery; no absence conclusion |
| D03 — Engine 1, 365-day filter | site:lawfilesext.leg.wa.gov "2026" "Predatory Loan Prevention Act" "PROPOSED RULES"; site:dfi.wa.gov "Predatory Loan" "CR-102" "2026"; site:lawfilesext.leg.wa.gov "208-620-236" "2026"; site:app.leg.wa.gov "31.04" "2026 c" | Unverified 2026 proposal links and official notices; newsletter snippet unused |
| D04 — Engine 2 | site:lawfilesext.leg.wa.gov "2026" "208-620" "PROPOSED RULE MAKING"; site:dfi.wa.gov "plpa" "2026" "cr-102"; site:lawfilesext.leg.wa.gov "19-21-157" | Agency index, 2019 adopted original, planning records |
| D05 — Engine 2 | site:lawfilesext.leg.wa.gov "2009" "1311-SL" "Sec. 13"; site:lawfilesext.leg.wa.gov "13-24-024" "PERMANENT"; site:lawfilesext.leg.wa.gov "18-16-024" "PERMANENT"; site:lawfilesext.leg.wa.gov "16-08-026" "10-20-122" | Adopted rule originals; first 2009 search did not resolve the body |
| D06 — Engine 1 | site:lawfilesext.leg.wa.gov "1311.SL" "2009"; site:lawfilesext.leg.wa.gov "10-20-122" "PERMANENT RULES"; site:lawfilesext.leg.wa.gov "2026" "208-620" "Predatory" "PROPOSED" with 90-day filter; site:lawfilesext.leg.wa.gov "2025" "2026" "earned wage" "31.04" with 730-day filter | 2010 original routes and planning records; no earned-wage exclusion or absence finding |
| D07 — Engine 2 | site:app.leg.wa.gov 2009 HB 1311 reverse mortgage bill; site:leg.wa.gov 2009 chapter 149 session laws 1311 | Official document index and session-law HTML; incidental people/rollcalls not opened |
| D08 — Engine 1 | site:lawfilesext.leg.wa.gov/law/wsr/2026/ "208-620" "PROPOSED RULES" with 180-day filter; site:lawfilesext.leg.wa.gov "2026" "208-620-236" "Effective" with 180-day filter; site:lawfilesext.leg.wa.gov/biennium/2025-26 "31.04.105" "Sec." "2026" with 730-day filter | Preproposal/withdrawal/agenda/archive results; no universal no-later-change conclusion |
| Failure | First ordinary public route | Result | One materially different ordinary official route | Final disposition |
|---|---|---|---|---|
| F01 | S071 DFI rulemaking page | HTTP403 | Official Register notices/index, S058–S063 | Notices authenticated; actual later proposal body remains held |
| F02 | S072 guidance PDF | HTTP403 | S060 Register guidance-extension notice | Notice authenticated; guidance terms and later status not authenticated |
| F03 | S073 2009 session-law PDF | Initial metadata/partial retrieval, followed by inaccessible target body | S068 official document index to S046 session-law HTML | Complete §13 obtained; same instrument, no independent corroboration claim |
| F04 | https://app.leg.wa.gov/wac/default.aspx?cite=208-620-240 | Individual section inaccessible | S064 chapter disposition, followed by S052 adopted repealer | Repeal affirmatively verified |
| F05 | S069 WSR 10-20-122 HTML | Timeout | S070 official issue PDF | Tool size limit; stopped after the alternate; original remains held |
No identical failed retry, guessed variant, hidden/API route, login, CAPTCHA bypass, security bypass, contact or records request was used.
| Hold ID | Exact unresolved issue | Consequence for this report |
|---|---|---|
| H01 — Federal incorporations | TILA/Reg Z coverage, amount/finance-charge/APR rules, closed-end/open-end disclosures, rescission, federal remedies; EFTA/Reg E; E-SIGN; SAFE; banking/preemption; other laws listed in -505/-640 | State references establish bridges only. The legacy federal reference in -630 and the Part 1024/Regulation Z wording in .102 are not silently repaired. |
| H02 — Exemption incorporations | Banking authority, chapter 19.60, chapter 63.14, chapter 31.45, housing-program statutes, TILA organizations, SAFE exclusions, chapter 18.44 and tax/program standards | Exemptions remain conditional. These separate bodies were not rerun. |
| H03 — Actor/product construction | Ordinary brokerage, ownership, assignment, servicing and collection capacity; earned-wage/employer advances; purpose/nexus characterization | Mortgage and student definitions do not settle ordinary capacity; no label-based classification. |
| H04 — Interest on financed fees | Reconcile .105(2), .015(31), -010(32)–(33) and -011(12) concerning principal amount/balance and the interest base | No interest-on-origination-fee or fee-on-fee conclusion. |
| H05 — Allocation | Reconcile statutory nonresidential ordering with -011’s loan-document direction | No contract override or universal partial-payment allocation. |
| H06 — Fee aggregation | Ordinary-loan treatment of rate-lock and discount-point provisions; effect of 2019 deletion; stale third-party definition reference | No unlimited additional charge and no resurrection of deleted aggregation text. |
| H07 — Open-end method (iii) | Relationship between the literal daily-rate/average-balance product and cycle charging | No missing multiplier or favorable computational correction invented. |
| H08 — Counting and rounding | Daily endpoints, “within” periods, anniversary treatment, quarter-percent ties, unspecified rounding and “promptly” | No calendar or monetary computation. |
| H09 — Agreement/delivery | Complete ordinary closed-end writing/copy/content requirements, language/accessibility, electronic signature/delivery/consent and federal model-form rules | Open-end and state structural duties are reported; universal closed-end checklist remains incomplete. |
| H10 — Payment/default | After-hours/electronic receipt, effective credit, over/underpayments, allocation beyond authenticated clauses, due-date changes, default and grace | No mortgage/student servicing import. |
| H11 — Earning/refund/rescission | Simple-interest prepaid amounts, other unearned charges, contractual refund entitlement and any applicable cancellation right | Add-on refund provisions and penalty bans remain distinct from broader refund rights. |
| H12 — Refinancing | Exact 120-day counting; new loan versus renewal/consolidation; net-tangible-benefit construction; fee reuse outside the stated branch | No actual refinance, benefit or fee result. |
| H13 — 2024 application/consequence | Older -230/-556 language versus amended .035; precise treatment of prior loans and modification on the effective date; other construction | Express prospective text preserved; no automatic invalidity from every defect. |
| H14 — Currentness | Unread 2026 CR-102/proposed text, any later adopted/future-effective rule, full interim guidance and later extension | Bounded discovery only; no all-law-through-date certification. |
| H15 — Original history | Failed 2010 original for -235; unopened earlier origins of retained language; .211’s 2009 original and .020’s 1961 original; act portions outside stated bounds | Latest opened material amendments support reported provisions; no complete historical genealogy. |
| H16 — Insurance/tax/privacy | Title 48, single-premium conditions, policy rights, tax-program predicates and broader privacy/data-security law | Narrow state bridges and conditions only; no policy or personal-data review. |
| H17 — Secured law | Security validity, perfection, release/satisfaction instruments, repossession and reconciliation of open-end release conditions with other duties | Only indispensable collateral boundaries and source-stated release duties reported. |
| H18 — Remedies/construction | Full APA, CPA injury/causation/damages, standalone private CLA cause, judicial interpretation, usury, enforcement limitations and court process | No case/opinion/docket search, award, prosecution, stay, withholding permission or actual recovery. |
| H19 — Protected parties | Military/protected-party law and the breadth of -510(8)(a) beneath its student-loan heading | No universal ordinary-loan military disclosure conclusion from that heading/subparagraph combination. |
| H20 — Local/tribal/interstate | Local law, tribal sovereignty, choice of law, interstate licensing and federal preemption | Unexamined law is not declared inapplicable. |
| H21 — Actual application | All identifying, contractual, transactional, financial, timing, licensing and event predicates | Deliberately absent; no actual outcome or operational permission follows. |
| Check | Result |
|---|---|
| PASS identity | Only S_WA PASS-18 ordinary nonmortgage CLA work is reported |
| Prior-pass boundaries | Supplied provenance/status preserved; no substantive P8/P16/P17 premise imported |
| Primary-source basis | Consequential text findings map to fresh official-source readings and exact provisions |
| Complete-section discipline | Complete relied current sections distinguished from indexes, snippets and selected original sections |
| Original-law discipline | Opened originals and read bounds stated; inaccessible/unopened originals remain explicit |
| Currentness discipline | Codification date, filing date, effective date, application clause, agenda, preproposal and withdrawal kept distinct |
| Numerical discipline | Only legal constants and symbolic relations; no financial input, rate selection, populated arithmetic or calendar |
| Product discipline | Ordinary, add-on, open-end, residential, student, payday, retail and other exclusions distinguished |
| Consequence discipline | Licensing duty, sanction, transaction validity, agency refund, CPA predicate and actual relief kept separate |
| Document/data discipline | No identifying narrative, actual/invented transaction, contract, filled form, financial record or medical information |
| Worksheet | Entirely blank evidence/predicate/interpretation/result cells |
| Access discipline | Fresh failures and one alternate official route recorded; no bypass |
| Review status | This is researcher self-check only; no independent-review, import, save, parent or publication acceptance claim |
END S_WA PASS-18.
Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
These components repair their stated scope. They do not replace every other finding in this research series.
SWA correction of the C070 coverage pinpoint →Supplied record or prior component · Permitted reuse in PASS-18 · New ordinary-loan work here · 8 data rows
| Supplied record or prior component | Permitted reuse in PASS-18 | New ordinary-loan work here | Remaining boundary |
|---|---|---|---|
| PASS-01 supplied reviewed record; response 66d1cb8f-b221-56f7-be60-6bee18e186f2; capture 2026-10-23T06:19:43.276Z; review reference [internal evidence reference] | Only the supplied statement that collection, litigation, limitations, execution exemptions, secured debt, sectors, local/tribal, contracts and case-law work required separate investigations | Fresh CLA definitions, application, pricing, agreement, payment and consequence readings | No substantive CLA proposition imported from P1 |
| PASS-02 supplied reviewed record; response d99fa0e7-8427-5177-94a0-d79c611f8e41; capture 2026-10-23T07:23:21.074Z; review reference [internal evidence reference] | Only the supplied statement that other Washington categories remained open and required later passes | This distinct ordinary-loan component | No P2 fee finding enlarged into a CLA rule |
| Supplied provenance destination for those records: [private conversation omitted] | Provenance supplied by the user | No inspection of the earlier conversation is claimed | No new capture, import, save or model-history claim |
| Supplied coordinator search: 1,664 atomic records; 15 complete hits read | Scope-management metadata only | Fresh indispensable ordinary-loan clauses read here | Search metadata does not establish the absence of other prior prose |
| P8 mortgage-servicing material | Its supplied separate status is preserved | Mortgage provisions read only where necessary to delimit ordinary-loan provisions | No mortgage servicing, suspense, foreclosure or mortgage-only disclosure rule imported |
| P16 student-servicing material, including supplied S001/S002 read-bound information | Its supplied saved/imported/queued status and pending whole scoped review are preserved | Fresh ordinary origination, pricing and prepayment readings | Student allocation, transfer, servicing and modification duties are not premises |
| P17 payday/small-loan material, including supplied S066/S067 boundaries | Its supplied saved/imported/queued status and pending whole scoped review are preserved | Fresh RCW 31.04.015/.025 and ordinary-loan merits | No chapter 31.45 payment-plan, fee or loan-count rule imported |
| PASS-18 | New evidence is the source ledger below | Ordinary nonmortgage CLA component only | Every express hold remains open; researcher checking is not independent review |
Claim ID · Consequential proposition · Primary authority and qualification · 23 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C001 | The statutory loan definition covers money lent for interest, a fee or another charge, including open-end and closed-end transactions. | S001, RCW 31.04.015(14). A product’s advertised name does not establish these predicates. app.leg.wa.gov |
| S_WA-P18-C002 | Making a loan includes advancing funds, offering to advance them, and committing to advance them. | S001, .015(16). Funding, offering and ownership therefore require separate factual predicates. app.leg.wa.gov |
| S_WA-P18-C003 | Borrower protections are not invariably contingent on consummation: the statute includes persons seeking loan information; the rule describes an individual seeking personal, family or household credit and separately includes student borrowers. | S001, .015(4); S021, WAC 208-620-011(1). The differing formulations remain visible. app.leg.wa.gov +1 |
| S_WA-P18-C004 | “Nonmortgage,” “not a residential mortgage,” and “not secured by real property” are different boundaries. A dwelling can include residential personal property. | S001, .015(24); S020, -010(12); S009, .125(1). Federal dwelling incorporation remains H01. app.leg.wa.gov +2 |
| S_WA-P18-C005 | RCW 31.04.025(1) reaches a loan to a Washington resident or a person physically in Washington, when made by a licensee or person subject to the chapter. | S002. Remote conduct is also addressed by S023, -230(1). app.leg.wa.gov +1 |
| S_WA-P18-C006 | Disguised sale/leaseback, pretextual rebate and remote arrangements are among the statutory anti-evasion subjects. | S002, .025(2); S003, .027(1)(o). No actual arrangement is classified. app.leg.wa.gov +1 |
| S_WA-P18-C007 | The purported-agent lender test first requires a loan exceeding the permitted rate; it then addresses predominant economic interest or lender status under the totality of circumstances plus an evasive structure. | S002, .025(3)(a)–(b); S042 §2. It is not an unconditional attribution rule. app.leg.wa.gov +1 |
| S_WA-P18-C008 | The bank/credit-union exemption requires activity under, and permitted by, the applicable banking law. | S002, .025(4)(a). Charter, authority and federal preemption bodies remain H02/H20. app.leg.wa.gov |
| S_WA-P18-C009 | Pawnbroking, qualifying retail-installment transactions and chapter 31.45 loans have express boundaries; the retail exclusion has an exception for specified value instruments redeemable through another retailer. | S002, .025(4)(b)–(d). The incorporated sectors were not rerun. app.leg.wa.gov |
| S_WA-P18-C010 | Primarily business, commercial or agricultural lending is excluded unless secured by the borrower’s primary dwelling. | S002, .025(4)(e); S022, -104(3). An actor’s commercial activity does not itself establish the loan’s purpose. app.leg.wa.gov +1 |
| S_WA-P18-C011 | The owner-sale exemption requires owned property without a dwelling, that property as security, and no more than five transactions per calendar year; SAFE-covered individuals and residential constructors/contractors are excluded. | S002, .025(4)(f). The numerical restriction cannot be omitted because the older rule does not repeat it. app.leg.wa.gov |
| S_WA-P18-C012 | Government borrowers and organizations defined by TILA are separately addressed exclusions. | S002, .025(4)(g). The federal organization definition is held. app.leg.wa.gov |
| S_WA-P18-C013 | Housing exclusions depend on the specified trust-fund, federal-program or publicly funded low-income-housing predicates; nonprofit status alone is insufficient. | S002, .025(4)(h)–(j); S022, -104(5), including its charitable-purpose, compensation, favorable-term and additional-standard conditions. Tax/program incorporations remain held. app.leg.wa.gov +1 |
| S_WA-P18-C014 | The credit-card-plan exclusion concerns loans that are not residential mortgage loans. | S002, .025(4)(k). It does not classify every open-end product as exempt. app.leg.wa.gov |
| S_WA-P18-C015 | Licensed mortgage-servicer employees and chapter 18.44 licensees processing specified seller-finance payments have distinct exclusions. | S002, .025(4)(l)–(m). Neither is a general ordinary-loan ownership or collection exemption. app.leg.wa.gov |
| S_WA-P18-C016 | The pending-action-proceeds exclusion requires nonrecourse contingent repayment; repayment despite failure to prevail defeats that exclusion. | S002, .025(4)(n). No action, party or litigation funding arrangement was investigated. app.leg.wa.gov |
| S_WA-P18-C017 | DFI has conditional discretion to waive company licensing for other persons to facilitate commerce and protect consumers, excluding SAFE-covered individuals. | S002, .025(5). This is not a substantive exemption from every CLA restriction. app.leg.wa.gov |
| S_WA-P18-C018 | The claimant bears the statutory burden for an exemption, definitional exception or preemption. | S002, .025(6). No burden is treated as satisfied here. app.leg.wa.gov |
| S_WA-P18-C019 | The rule separately identifies individual immediate-family lending and primary-dwelling seller credit. Its statutory subsection references are outdated. | S022, -104(6)–(7); S020, -010(21). The immediate-family definition was read; no relationship or actual waiver was determined. app.leg.wa.gov +1 |
| S_WA-P18-C020 | The servicing definition and investor/note-buyer exclusions examined here concern residential mortgage loans. They do not establish ordinary nonmortgage owner, purchaser, servicer or collector capacity. | S001, .015(29); S021, -011(11); S024, -231. H03 remains. app.leg.wa.gov +2 |
| S_WA-P18-C021 | Student-purpose definitions remain separate; employer or earned-wage terminology alone establishes neither CLA coverage nor an exemption. | S001, .015(32); S021, -011(13); S002. Separate earned-wage law/currentness and transaction characteristics remain H03/H14. app.leg.wa.gov +2 |
| S_WA-P18-C022 | Required licensing must be obtained and maintained. The rule treats a license as associated with one business location and addresses Washington lending and remote solicitation. | S004, .035(1); S021, -011(6); S023, -230(1). Full application, branch, bond, renewal and assessment administration is excluded. app.leg.wa.gov +2 |
| S_WA-P18-C023 | Former WAC 208-620-240, concerning all loans made after licensure, was repealed effective November 24, 2019. | S052 repealer; S064 disposition. Its historical wording is not current authority. lawfilesext.leg.wa.gov +1 |
Claim ID · Consequential proposition · Primary authority and qualification · 25 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C024 | The ordinary nonmortgage ceiling is 25 percent per annum using simple interest. This is not a determination of APR or an all-in federal finance charge. | S007, .105(1); S028, -515(1); S025, -235. Original verification of -235 remains H15. app.leg.wa.gov +2 |
| S_WA-P18-C025 | Simple interest is tied to an annual rate or periodic equivalent, the unpaid principal and time outstanding; advance interest and compounding are restricted, with the separate reverse-mortgage exception. | S001, .015(31); S021, -011(12). The express closing-interest allowance must also be considered. app.leg.wa.gov +1 |
| S_WA-P18-C026 | The rule distinguishes principal amount advanced for the borrower’s benefit from principal balance including an allowed origination fee. Whether financed origination fees themselves bear interest requires reconciliation with the rule’s interest-base wording. | S020, -010(32)–(33); S021, -011(12); S007, .105(2). H04. app.leg.wa.gov +2 |
| S_WA-P18-C027 | Add-on interest is permitted only within the statutory collateral and duration limits: no real-property security or personal-property residence, and repayment no later than three years and fifteen days after origination. | S009, .125(1). The ordinary rule’s simple-interest wording does not erase this express statutory exception. app.leg.wa.gov |
| S_WA-P18-C028 | An authorized prepaid, nonrefundable origination fee is capped at four percent of the first $20,000 advanced for the borrower’s direct benefit and two percent of the remainder; financing the fee is permitted. | S007, .105(2); S033, -555(2). Permission and a ceiling do not establish contractual entitlement. app.leg.wa.gov +1 |
| S_WA-P18-C029 | Third-party preparation charges require the statutory/rule predicates, including written agreement under the rule. Before closing, collection is restricted to actual credit-report and appraisal costs; without a loan, the statute permits only the specified reasonable, properly incurred exceptions. | S007, .105(3); S033, -555(3)(b)(i). Appraiser independence and selection conditions remain part of .105(3). app.leg.wa.gov +1 |
| S_WA-P18-C030 | Third-party charges cannot exceed actual costs paid or payable. The rule’s reference to a definition in -010 is stale; the statutory third-party-service-provider definition was separately read. | S033, -555(3)(b)(ii); S001, .015(37). No markup or fee entitlement is inferred from the broken reference. app.leg.wa.gov +1 |
| S_WA-P18-C031 | An underwriting fee is prohibited within the scope of -563. | S036, -563(1). No alternative label is treated as curing the prohibition. app.leg.wa.gov |
| S_WA-P18-C032 | Document-preparation, processing, administrative, application and courier fees require payment to an unrelated third party and the borrower’s advance written agreement. | S035, -560(4). These conditions do not dispense with other applicable fee restrictions. app.leg.wa.gov |
| S_WA-P18-C033 | Filing/public-official charges require payment or intended payment within 180 days; a release/reconveyance fee must go to an unrelated third party unless the licensee demonstrates its own facilitating work. | S035, -560(1). The exact start event for the 180 days is not stated expressly. app.leg.wa.gov |
| S_WA-P18-C034 | The open-end annual fee cannot exceed $50, must be collected as an advance lump sum, cannot be imposed monthly, and cannot be financed. | S028, -515(2); S008, .115(3). app.leg.wa.gov +1 |
| S_WA-P18-C035 | A discount-point charge requires an actual rate reduction and a demonstrable mathematical relationship supported by the contemporaneous rate sheet or pricing engine. | S033, -555(3)(e). This does not establish an unrestricted additional ordinary-loan fee. H06. app.leg.wa.gov |
| S_WA-P18-C036 | A written rate-lock agreement is required. Retention after borrower breach additionally requires that the lender make the loan and have paid a third party or made a demonstrable financial commitment; specified rescission, qualification and appraisal-denial conditions prohibit retention. | S033, -555(3)(b)(iv). Ordinary-loan applicability and aggregate treatment remain H06. app.leg.wa.gov |
| S_WA-P18-C037 | At closing, prepaid-interest collection may cover no more than 45 days. That collection permission does not itself specify when all such interest is earned or refunded. | S007, .105(5); S021, -011(12)(a); S032, -550(3). H11. app.leg.wa.gov +2 |
| S_WA-P18-C038 | The statutory delinquency penalty ceiling is ten percent of an installment delinquent at least ten days. The rule also refers to agreed terms; it supplies no authority to exceed the statute. | S007, .105(6); S033, -555(3)(c). Frequency, partial-installment treatment and compounding remain held. app.leg.wa.gov +1 |
| S_WA-P18-C039 | The dishonor rule states $25 or the financial institution’s actual charge, with only one fee for a particular instrument/transfer despite repeated returns. | S035, -560(2). No “greater of,” “lesser of” or selector rule was added. app.leg.wa.gov |
| S_WA-P18-C040 | Reasonable attorney fees and actual collection expenses/costs are conditionally authorized when delinquent debt is referred to a nonsalaried attorney. | S007, .105(7); S033, -555(3)(d). Repossession/foreclosure references are not a completion of those separate bodies. app.leg.wa.gov +1 |
| S_WA-P18-C041 | Financing insurance premiums requires optional purchase, written disclosure that purchase is unnecessary for the loan, and signed confirmation; single-premium credit insurance has an additional Title 48 incorporation. | S033, -555(3)(a); S007, .105(10). Full insurance law remains H16. app.leg.wa.gov +1 |
| S_WA-P18-C042 | Credit-life coverage is limited by the balance net of refunds at death; disability coverage is limited by minimum payments during covered disability. Such insurance cannot be required. | S009, .125(3). No insurance amount or coverage outcome was determined. app.leg.wa.gov |
| S_WA-P18-C043 | Open-end credit-life/disability premiums use the approved monthly rate and covered balance. Delinquency alone cannot support cancellation until a payment is at least 90 days overdue; interim premium advances may be debited. | S008, .115(4). Full insurance incorporation remains held. app.leg.wa.gov |
| S_WA-P18-C044 | Open-end interest uses monthly billing cycles, with the statutory daily-balance additions and deductions; the closing date can vary by no more than four days from the same monthly date. | S008, .115(2)(a). Reverse mortgages are separately excepted in (2)(b). app.leg.wa.gov |
| S_WA-P18-C045 | Open-end method (i) uses the annual rate divided by 365 and the daily unpaid principal balance. | S008, .115(2)(a)(i). No leap-year or rounding adjustment was invented. app.leg.wa.gov |
| S_WA-P18-C046 | Method (ii) uses one-twelfth of the annual rate multiplied by the cycle’s average daily unpaid principal balance. | S008, .115(2)(a)(ii). The statute defines that average by daily balances and cycle days. app.leg.wa.gov |
| S_WA-P18-C047 | Method (iii) states a daily rate multiplied by the average daily unpaid principal balance. The text does not expressly supply an additional cycle-length multiplier. | S008, .115(2)(a)(iii). H07: no computational repair is adopted. app.leg.wa.gov |
| S_WA-P18-C048 | Additional open-end charges remain subject to the conditions and restrictions governing those charges elsewhere in the chapter. | S008, .115(3). Open-end status does not eliminate individual fee limits. app.leg.wa.gov |
Claim ID · Consequential proposition · Primary authority and qualification · 17 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C049 | For licensee loans not secured by real property, .102(1) expressly incorporates applicable TILA, Regulation Z and other federal requirements. | S006. The state bridge was read; federal coverage, calculations, forms, delivery and remedies were not completed. H01/H09. app.leg.wa.gov |
| S_WA-P18-C050 | The rules require compliance with applicable federal and state laws, including listed disclosure, advertising and consumer-protection bodies. | S026, -505; S041, -640. Listing a law does not establish that every listed law governs every loan. app.leg.wa.gov +1 |
| S_WA-P18-C051 | Advance preparation of loan papers requires prior review of terms, including requested insurance type and amount; mailed loans have the stated sufficient-review-time exception. | S009, .125(4). No fixed mail-review period is supplied. app.leg.wa.gov |
| S_WA-P18-C052 | Loan-origination documents cannot be supplied with blanks or left blank when signed. | S032, -550(8). No document was created or examined. app.leg.wa.gov |
| S_WA-P18-C053 | The statutory open-end agreement must identify the CLA basis, include the prescribed party-identification categories and required disclosures, and be copied to the borrower when the account is created. | S008, .115(1), (7). No identifying field was populated. app.leg.wa.gov |
| S_WA-P18-C054 | The open-end definition permits repeated advances and account debits/credits; the monthly-installment privilege uses fixed or determinable contractual amounts and is conditioned on absence of default. | S008, .115(1). No default definition is supplied by that clause. app.leg.wa.gov |
| S_WA-P18-C055 | An open-end periodic statement is required at cycle end when the balance exceeds $1 or interest is imposed, subject to the uncollectible-account and initiated-collection exceptions. | S008, .115(8). Form and federal requirements remain held. app.leg.wa.gov |
| S_WA-P18-C056 | An open-end rate increase generally requires mailed or delivered written notice at least 30 days before effectiveness, unless previously agreed. | S008, .115(6). Electronic substitution is not resolved here. app.leg.wa.gov |
| S_WA-P18-C057 | On termination following an increase, the old balance retains prior terms unless additional debt is incurred on or after effectiveness or the borrower otherwise agrees to the new rate. | S008, .115(6). No election, assent or new borrowing is presumed. app.leg.wa.gov |
| S_WA-P18-C058 | Solicited, advertised or contracted specific terms must actually be available at the relevant event. | S003, .027(1)(e). An advertisement, application, approval and binding agreement remain distinct. app.leg.wa.gov |
| S_WA-P18-C059 | False or misleading loan advertising and specified deceptive representations are prohibited, including misleading “free” claims and undisclosed discount costs. | S010, .135; S040, -630(8)–(9); S003, .027(1)(a)–(c). app.leg.wa.gov +2 |
| S_WA-P18-C060 | State advertising rules address conspicuous APR, equal prominence, support for advertised availability/calculation, and APR in oral rate quotations. | S003, .027(1)(l); S040, -630(2)–(4). Full federal calculation and the legacy federal citation remain H01. app.leg.wa.gov +1 |
| S_WA-P18-C061 | The advertising rule restricts lowest/best-rate claims, misleading affiliations and governmental endorsement implications; its genuine-program exception remains conditional. | S040, -630(1), (5)–(7). No actual advertisement or program was assessed. app.leg.wa.gov +1 |
| S_WA-P18-C062 | Company advertising, assumed names, URLs and electronic landing pages have separate licensed-name, approval and identifier/link requirements. | S037–S039, -620 through -622. No registry query or approval determination was made. app.leg.wa.gov +2 |
| S_WA-P18-C063 | At closing, the licensee cannot obtain the specified release of future usury/other damage claims or waiver of CLA protection. | S003, .027(1)(k). This is not a finding about any actual release. app.leg.wa.gov |
| S_WA-P18-C064 | These readings do not complete a universal ordinary closed-end checklist for agreement contents, copy deadlines, language, accessibility or electronic consent. | S006/S027 and the held federal bridges. Mortgage-specific disclosure periods are not imported. H09. app.leg.wa.gov +2 |
| S_WA-P18-C065 | Electronic record storage is permitted subject to retrievability, retention and examination requirements, including the rule’s server-location condition. | S030, -530. Storage permission is not electronic-signature or electronic-delivery consent. app.leg.wa.gov |
Claim ID · Consequential proposition · Primary authority and qualification · 19 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C066 | A payment delivered during regular working hours to any licensee location must be recorded as received that day. | S032, -550(2), with its Department of Education contractual-compliance exception. Recording receipt does not resolve every crediting or allocation question. app.leg.wa.gov |
| S_WA-P18-C067 | An exact payoff amount as of a specified date must be provided within seven business days after a written request from the borrower of record or authorized representative. | S032, -550(1); business-day definition S020, -010(7). Student federal-program alternative remains separate. app.leg.wa.gov +1 |
| S_WA-P18-C068 | The statute orders nonresidential payments through penalties/fees/charges, accrued interest and then principal; the rule directs application according to loan documents. | S001, .015(31)(a); S021, -011(12)(a). H05: the rule is not treated as permission for a contract to override the statute. app.leg.wa.gov +1 |
| S_WA-P18-C069 | The examined receipt/payoff provisions do not establish a universal after-hours, overpayment, underpayment, due-date-change, grace or default rule for ordinary loans. | S032, -550(1)–(2); S033, -555(3)(c). H10: no mortgage/student servicing rule fills the gap. app.leg.wa.gov +1 |
| S_WA-P18-C070 | A nonmortgage loan cannot carry a prepayment penalty under -563. | S036, -563(2). The adjustable-rate mortgage exception is not an ordinary nonmortgage exception. app.leg.wa.gov |
| S_WA-P18-C071 | A statutory open-end account may be paid in full at any time without a prepayment penalty. | S008, .115(1)(d). This differs from the nondefault monthly-installment condition. app.leg.wa.gov |
| S_WA-P18-C072 | An add-on loan must provide an unearned-interest refund or credit upon full early repayment, including repayment through cash, a new loan or refinancing. | S009, .125(2); S047 §1. The original maturity/final-due-date condition matters. app.leg.wa.gov +1 |
| S_WA-P18-C073 | The default add-on refund method is actuarial, with optional rounding of the annual rate to the nearest quarter of one percent. | S009, .125(2). Tie-breaking and further rounding conventions remain unspecified. app.leg.wa.gov |
| S_WA-P18-C074 | A sum equal to at least two installments prepaid, no arrears, and continued paid-ahead status trigger the specified simple-interest recalculation instead. | S009, .125(2). This is an amount-equivalence condition, not necessarily two separate payment events. app.leg.wa.gov |
| S_WA-P18-C075 | For the required refund, prepayment on or before the fifteenth day after a scheduled payment date is treated as made on the preceding payment date. | S009, .125(2). No actual date or calendar was evaluated. app.leg.wa.gov |
| S_WA-P18-C076 | Before the first installment is due, retained interest is capped at one-thirtieth of the first month’s interest for each day between origination and actual prepayment. | S009, .125(2). Endpoint day counting remains H08. app.leg.wa.gov |
| S_WA-P18-C077 | An origination fee’s nonrefundable label does not erase express refinancing, violation or remedy provisions; conversely, the add-on-interest refund does not create a universal refund of every fee. | S007, .105(2); S009, .125(2); S035, -560(3); S005, .093(5). Comparison only. app.leg.wa.gov +3 |
| S_WA-P18-C078 | For a new loan within 120 days after the same lender’s previous origination to the same borrower, the new origination-fee base excludes proceeds used to pay the prior amount due. | S035, -560(3)(a), subject to (c)–(d). Exact endpoint counting remains H12. app.leg.wa.gov |
| S_WA-P18-C079 | For a credit-line increase within that period, the origination-fee base is the increase over the existing line. | S035, -560(3)(b), subject to (c)–(d). No line amount was supplied. app.leg.wa.gov |
| S_WA-P18-C080 | Those base restrictions have separate exceptions for refunding the old origination fee or demonstrating net tangible benefit; the benefit analysis must include new fees/charges. | S035, -560(3)(c)–(d). A lower payment or rate is not treated here as an automatic result. app.leg.wa.gov |
| S_WA-P18-C081 | These readings do not establish a general ordinary-loan count, simultaneous-loan ceiling, minimum charge or universal definition of every renewal/consolidation. | S002/S007/S035. Anti-evasion and the specified successive-loan restriction remain applicable predicates; broader absence is not claimed. |
| S_WA-P18-C082 | The rule requires reconveyance of collateral title within 60 business days when the loan is fully paid. | S032, -550(13). Full lien-release, perfection and satisfaction law remains H17. app.leg.wa.gov |
| S_WA-P18-C083 | Open-end security may remain until termination, with prompt-release duties for the specified 12-month zero-balance/no-unilateral-borrowing-right condition or borrower-requested termination plus full payment. | S008, .115(5). “Promptly” is not converted to an invented deadline. app.leg.wa.gov |
| S_WA-P18-C084 | Third-party funds require separate accounting and cannot benefit a person lacking entitlement. | S031, -540. This is not converted into an unexpressed requirement for a separate bank account. app.leg.wa.gov |
Claim ID · Consequential proposition · Primary authority and qualification · 22 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C085 | For an applicable transaction violating the required-license provision, .035(3) expressly makes a loan that is not a residential mortgage loan void, uncollectable and unenforceable. | S004; S042 §§4–5. Coverage, licensing violation and prospective application must all be established. app.leg.wa.gov +1 |
| S_WA-P18-C086 | The adjacent residential-mortgage consequence instead addresses non-third-party fees and excludes interest. | S004, .035(2). The categories cannot be interchanged. app.leg.wa.gov |
| S_WA-P18-C087 | The 2024 changes are prospective: a loan issued before June 6, 2024 is excluded unless renegotiated or modified after June 6, 2024. | S042 §5; S002 application note. “After” is not silently changed to “on or after.” lawfilesext.leg.wa.gov +1 |
| S_WA-P18-C088 | Older -230 and -556 refund language cannot be substituted for the later statute; -556(2) also uses the distinct phrase “nonresidential mortgage loans.” | S023/S034 compared with S004/S042. Exact historical and post-amendment construction remains H13. app.leg.wa.gov +2 |
| S_WA-P18-C089 | DFI may impose license sanctions on the specified grounds, including knowing or insufficient-care violations. | S005, .093(3). A sanction is distinct from an individual transaction consequence. app.leg.wa.gov |
| S_WA-P18-C090 | DFI’s fine authority includes a ceiling of $100 per day for each violation. | S005, .093(4). This is an agency penalty, not a borrower charge. app.leg.wa.gov |
| S_WA-P18-C091 | DFI may order corrective action, causally connected restitution/refunds to damaged persons, and refund of fees received through a violation. | S005, .093(5). Discretion, violation and the particular remedial predicate remain necessary. app.leg.wa.gov |
| S_WA-P18-C092 | A temporary order requires the statutory likely substantial-injury condition. A requested hearing must be held within 14 days of receipt of the request unless the APA provides otherwise. | S005, .093(8). Fourteen days is not stated as the deadline to request the hearing. app.leg.wa.gov |
| S_WA-P18-C093 | License revocation, suspension or surrender does not impair a preexisting lawful contract. | S005, .093(10). This does not validate an unlawfully originated transaction. app.leg.wa.gov |
| S_WA-P18-C094 | Sanction procedures distinguish consent, nonappearance and a hearing with a preponderance showing; examination/investigation-cost recovery has its stated no-violation exception. | S014, .205. No actual administrative process or liability is determined. app.leg.wa.gov |
| S_WA-P18-C095 | DFI has rulemaking and court-enforcement powers subject to the specified statutory conditions and showing. | S012, .165, read completely. Full APA and court procedure remain excluded. app.leg.wa.gov |
| S_WA-P18-C096 | The criminal catchall prescribes a gross misdemeanor for the stated violations/aiding/failure of duty where another penalty is not prescribed. | S013, .175(1). No offense or prosecution finding is made. app.leg.wa.gov |
| S_WA-P18-C097 | Good-faith conformity with specified DFI written materials can defeat the identified civil-penalty/criminal consequences. | S013, .175(2). It is not a general contract-validity or refund immunity; the inaccessible guidance cannot establish conformity. app.leg.wa.gov |
| S_WA-P18-C098 | The CLA declares the regulated practices a public-interest matter, links violations to RCW 19.86.020, and makes CPA remedies cumulative. | S015, .208; S017, 19.86.020. app.leg.wa.gov +1 |
| S_WA-P18-C099 | The private CPA provision requires injury to business or property by the violation; it provides a conditional litigation/remedy framework rather than an automatic award. | S018, 19.86.090. Full damages, jurisdiction, causation construction and actual recovery remain excluded. app.leg.wa.gov |
| S_WA-P18-C100 | Public-interest impact has statutory routes, including incorporation or declaration, and alternative injury/capacity-to-injure routes. | S019, 19.86.093. This does not eliminate the separate private injury/causation requirement. app.leg.wa.gov |
| S_WA-P18-C101 | The CLA’s licensing, order, penalty, remedy and review procedures incorporate chapter 34.05 RCW. | S078, .202. The APA was not completed in this component. app.leg.wa.gov |
| S_WA-P18-C102 | Material prohibitions also address coercing loan completion, baseless liens, appraisal influence, false regulatory submissions, failure to obey DFI directives, dual making/brokering compensation, and servicing usurious loans. | S003, .027(1); S032, -550(6)–(7), (11)–(12), (14), (20), (23). Full usury, collection and agency-process merits remain held. app.leg.wa.gov +1 |
| S_WA-P18-C103 | A purchase loan secured by a live dog or cat and entered on or after July 28, 2019 is expressly addressed by .430’s invalidity provision. | S074; S076 §3. This narrow purpose/collateral exception cannot be ignored in a generic origination framework. app.leg.wa.gov +1 |
| S_WA-P18-C104 | The 2019 act separately supplies ownership/return-of-amounts consequences for its specified void contracts and excludes unsecured purchase-loan repayment contracts from that act’s construction. | S076 §§5–6. The later 2023 prohibition must be considered separately. lawfilesext.leg.wa.gov |
| S_WA-P18-C105 | The 2023 provision prohibits a licensee’s financing or loan for a dog/cat purchase; for loans entered on or after July 23, 2023 it states invalidity and no right to collect, receive or retain principal, interest or charges. | S075; S077 §6. No actual purchase, loan or entitlement is assessed. app.leg.wa.gov +1 |
| S_WA-P18-C106 | Relevant records generally must be retained at least three years after final entry, or longer when applicable federal law requires; the rules identify loan, disclosure, payment and refund records. | S011, .155; S029, -520. No universal borrower-access/correction mechanism is inferred from regulatory retention. app.leg.wa.gov +1 |
Claim ID · Consequential proposition · Primary authority and qualification · 16 data rows
| Claim ID | Consequential proposition | Primary authority and qualification |
|---|---|---|
| S_WA-P18-C107 | The 2007 amendment removed the former general six-years-and-fifteen-days duration restriction while retaining the separate add-on duration condition. | S047 §1. No current general maximum term is derived from the deleted language. lawfilesext.leg.wa.gov |
| S_WA-P18-C108 | The 2013 original added the express closing prepaid-interest provision and changed the record-retention text. | S045 §§7–8. Present obligations are stated in C037/C106. lawfilesext.leg.wa.gov |
| S_WA-P18-C109 | The 2015 original added the credit-report component to the specified no-loan charge exception. | S044 §28. Older appraisal-only language is not the current complete exception. lawfilesext.leg.wa.gov +1 |
| S_WA-P18-C110 | The 2018 act contains a DFI implementation transition using January 1, 2019 or final rules, whichever occurs first. | S043 §21. It is not treated as a continuing ordinary-loan exemption. lawfilesext.leg.wa.gov |
| S_WA-P18-C111 | The 2019 adopted amendment deleted an earlier rate-lock/origination-fee aggregation clause. | S052, amendment of -555. Neither the deleted cap nor unrestricted extra-fee permission is adopted here. lawfilesext.leg.wa.gov |
| S_WA-P18-C112 | The latest opened originals for -010 and -510 are the 2022 amendments; the disclosure section still contains product-specific provisions. | S051. No general ordinary-loan three-day disclosure or servicemember rule is inferred from headings alone. lawfilesext.leg.wa.gov +1 |
| S_WA-P18-C113 | The RCW site’s stated update date is July 15, 2026, and its compilation description does not encompass every temporary law. | S057. This is publication information, not a universal October 28 currency guarantee. app.leg.wa.gov |
| S_WA-P18-C114 | WSR 26-14-052 withdrew proposed WSR 25-18-022 after the stated more-than-180-day nonadoption period. | S059. The withdrawn proposal is not operative law. lawfilesext.leg.wa.gov |
| S_WA-P18-C115 | WSR 26-10-087 restarted an inquiry into predatory-loan-prevention and related technical rules. | S058, preproposal. It does not adopt replacement rules. lawfilesext.leg.wa.gov |
| S_WA-P18-C116 | WSR 26-10-088 announced extension of interim guidance through September 1, 2026. | S060. The guidance body was inaccessible; its conditions and any later extension remain unverified. lawfilesext.leg.wa.gov |
| S_WA-P18-C117 | WSR 26-18-028 concerns possible refunds/waivers of licensee fees and assessments, not an adopted borrower-refund formula. | S061, preproposal. lawfilesext.leg.wa.gov |
| S_WA-P18-C118 | The second-half 2026 agenda lists planned subjects; an agenda and search-discovered proposal links do not authenticate adoption or future effectiveness. | S062; S071 access gap. H14. lawfilesext.leg.wa.gov |
| S_WA-P18-C119 | The current -235 text was read, but its cited 2010 adopted original was not authenticated after the permitted two routes failed. | S025/S069/S070. No history-footnote-only claim of an opened original is made. |
| S_WA-P18-C120 | The 2009 CPA amendment’s application clause concerns causes accruing on or after its July 26, 2009 effective date. | S050 §3. No cause accrual or limitation result is determined. lawfilesext.leg.wa.gov |
| S_WA-P18-C121 | The 1991 act contains continuation, severability, codification/repealer and staged effective provisions. | S049 §§19–25. Continued historical rules remain subject to later amendment/repeal. lawfilesext.leg.wa.gov |
| S_WA-P18-C122 | Before purchasing insurance on secured property, the rule requires an attempt by mailed notice to verify existing coverage, except where prior mail was returned undeliverable. | S032, -550(10). This narrow duty does not complete insurance or collateral law. app.leg.wa.gov |
Distinction · Supported treatment · What remains conditional · 22 data rows
| Distinction | Supported treatment | What remains conditional |
|---|---|---|
| Ordinary simple-interest / add-on / open-end | C024–C027 and C044–C048 identify different computation structures | No product is assigned to one of them |
| Closed-end / credit-card-plan / open-end | Open-end characteristics do not alone establish the credit-card-plan exclusion | C014, C053–C054; federal and statutory category predicates |
| Consumer purpose / commercial actor | Borrower purpose and the lender’s commercial context are separate inquiries | C003/C010; primary-dwelling exception |
| Nonmortgage / nonresidential mortgage / no real-property security | Use the exact phrase in each provision | C004, C085–C088; no interchangeable shorthand in an application |
| Maker / broker / funder / owner | Offering or committing funds can be making; dual compensation has a separate prohibition | C002/C007/C102; ordinary ownership and brokerage capacity remain H03 |
| Servicing / collecting / owning a note | Mortgage definitions do not settle ordinary nonmortgage capacity | C020; collection law remains separate |
| Statutory exemption / rule category / discretionary waiver | Each has different predicates and consequences | C008–C019; stale references are not silently repaired |
| Permitted charge / ceiling / agreed charge | A maximum is not proof that a charge is contractually due | C028–C040 |
| Principal amount / principal balance | Different definitions matter to origination-fee and interest bases | C026; H04 |
| Paid or collected / earned / refundable | Collection timing does not itself settle earning or refund treatment | C029/C037/C072–C080 |
| Advertisement / application / approval / agreement | Availability and advertising duties do not establish contract formation | C058–C064 |
| Paper copy / electronic record / electronic delivery | Record-storage permission does not establish delivery consent | C053/C065; H09 |
| Payment receipt / allocation / satisfaction | Same-day recording, allocation order and full payoff are distinct | C066–C069/C082 |
| Late-charge threshold / default / interest accrual | The ten-day condition is a fee predicate | C038/C069; no universal grace or interest suspension |
| Early payoff / fee refund / rescission | Penalty prohibition and add-on refunds do not create general rescission | C070–C077; H11 |
| New loan / renewal / consolidation / line increase | The specific 120-day rule is authenticated | C078–C081; other classifications remain conditional |
| Refund of old fee / net tangible benefit | Separate exceptions to the successive-loan base restrictions | C080; no benefit result |
| Licensing sanction / transaction invalidity / agency refund | Separate statutory predicates and processes | C085–C097 |
| CPA public interest / private injury / recovery | Public-interest treatment does not establish private injury or an award | C098–C100 |
| Borrower refund / licensee assessment refund | Different subjects | C117 |
| 2019 secured dog/cat rule / 2023 broader prohibition | The old unsecured exclusion cannot serve as current general permission | C103–C105 |
| Current body / adopted original / proposal / guidance | Status and application are independently recorded | C107–C121 and the version/source ledgers |
Quantity ID · Quantity or relation · Unit/base and reference event · 42 data rows
| Quantity ID | Quantity or relation | Unit/base and reference event | Endpoint, frequency, exception or unresolved point | Claims |
|---|---|---|---|---|
| Q01 | Interest ≤ 25% per annum | Simple-interest rate; ordinary nonmortgage loan | Inclusive ceiling; not an APR/all-in-charge determination | C024–C025 |
| Q02 | Origination fee ≤ 4% of first $20,000 + 2% thereafter | Principal advanced to or for direct borrower benefit | First tier includes the first $20,000; only excess enters second tier; fee financing does not enlarge the stated base | C028 |
| Q03 | Add-on period ≤ 3 years + 15 days | Repayment period measured after origination | Inclusive maximum; restricted collateral category; no anniversary/calendar method supplied here | C027 |
| Q04 | Prepaid interest ≤ 45 days | Amount collected at closing | Inclusive; collection permission does not resolve earning/refund | C037 |
| Q05 | Annual open-end fee ≤ $50 | Account-opening/maintenance privilege | Per year, in advance, lump sum; not monthly or financed | C034 |
| Q06 | Late charge ≤ 10% | Delinquent installment amount | Installment delinquent 10 days or more; frequency, partial-installment base and pyramiding not resolved | C038 |
| Q07 | $25 or actual institutional charge | Particular returned/denied check, draft, ACH or other transfer | One fee per particular instrument/transfer, including repeated returns; no maximum/minimum selector added | C039 |
| Q08 | 180 days | Filing/public-official charge paid or to be paid | “Within”; exact commencement event not expressly supplied | C033 |
| Q09 | 120 days after prior origination | Same borrower’s preceding loan/line and new loan/increase by the lender | “Within”; endpoint counting held; exceptions in C080 | C078–C080 |
| Q10 | New-money portion only | New-loan proceeds not used to discharge prior amount due | Fee base, not a separately invented maximum fee | C078 |
| Q11 | Increase over existing line only | Difference between new and existing line | Applies to the stated successive-line condition | C079 |
| Q12 | Annual rate ÷ 365 | Open-end daily-rate conversion | Source divisor retained; no leap-year adjustment invented | C045/C047 |
| Q13 | Annual rate ÷ 12 | Open-end monthly-rate conversion | Used with statutory average daily balance | C046 |
| Q14 | Daily balances summed ÷ cycle-day count | Open-end average daily unpaid principal balance | Actual cycle days are a missing input; no value substituted | C046–C047 |
| Q15 | Closing-date variation ≤ 4 days | Same monthly closing date | Inclusive; no operational billing calendar | C044 |
| Q16 | Monthly cycle | Open-end computation period | Reverse-mortgage exception separate; method (iii) cycle aggregation held | C044–C047 |
| Q17 | 7 business days | After qualifying written payoff request | Requesting actor and as-of date required; business-day definition applies | C067 |
| Q18 | Monday–Friday, excluding federal bank holidays | WAC definition of business day | No calendar generated; after-hours and cutoff questions held | C067/C082 |
| Q19 | Same delivery day | Payment received at any licensee location during regular working hours | Statutory recording event; specified federal-program exception; after-hours treatment held | C066 |
| Q20 | 60 business days | When loan is fully paid; collateral reconveyance | Actual full satisfaction and collateral predicate required; broader release law held | C082 |
| Q21 | 12 months without an outstanding balance | Open-end security-release branch | Also requires absence or surrender of unilateral new-balance right | C083 |
| Q22 | “Promptly” | Open-end release after either statutory branch | No numeric deadline supplied in that clause; relationship to other release duties held | C083 |
| Q23 | At least 30 days before increase effectiveness | Written open-end rate-change notice | Inclusive minimum; earlier agreement exception | C056 |
| Q24 | New debt on or after rate-increase effectiveness | Exception to retaining prior terms after termination | Inclusive date language; actual assent/new debt unexamined | C057 |
| Q25 | Balance greater than $1, or interest imposed | End-of-cycle open-end statement | Strict balance endpoint; alternative interest trigger; uncollectible/collection exceptions | C055 |
| Q26 | At least 90 days overdue | Open-end insurance cancellation for delinquency | One or more payments; interim insurer-payment duty and debit permission retained | C043 |
| Q27 | Sum equal to two or more installments | Add-on paid-ahead recalculation | No arrears and continued paid-ahead status; not necessarily two payment events | C074 |
| Q28 | Nearest ¼ of 1% | Annual rate used for actuarial refund | Optional rounding; tie-breaking not supplied | C073 |
| Q29 | On or before the 15th day after scheduled payment date | Add-on required-refund deeming rule | Inclusive endpoint; deemed preceding payment date | C075 |
| Q30 | ≤ 1/30 of first month’s interest per day | Prepayment before first installment due | Days between origination and actual prepayment; endpoint inclusion unresolved | C076 |
| Q31 | At least 3 years after final entry | Relevant record retention | Longer applicable federal period controls where required | C106 |
| Q32 | Up to $100 per day per violation | DFI fine | Inclusive agency maximum; not consumer pricing | C090 |
| Q33 | Hearing within 14 days after request receipt | Temporary-order hearing | APA qualification; not a request-filing deadline | C092 |
| Q34 | Five or fewer transactions per calendar year | Qualifying owner-sale exemption | Inclusive count; other property, security and actor exclusions remain necessary | C011 |
| Q35 | One to four residential units | Rule’s dwelling definition | Real-property attachment is not invariably required; federal incorporation held | C004 |
| Q36 | One business location | Rule’s license definition | Does not complete branch/location administration | C022 |
| Q37 | One or more mailed notices | Attempt to verify existing asset insurance | Prior returned-undeliverable-mail exception; no notice form prepared | C122 |
| Q38 | No fixed minimum charge identified in the relied-on ordinary-loan clauses | Minimum-interest/fee inquiry | Bounded unresolved inquiry, not a statewide absence conclusion | C081 |
| Q39 | No general ordinary-loan count or simultaneous-loan maximum established by these readings | Multiple-loan inquiry | Specific successive-loan and anti-evasion clauses remain relevant | C081 |
| Q40 | No universal closed-end cancellation period established here | Rescission/cancellation inquiry | Federal and product-specific predicates remain held | C064/C077 |
| Q41 | Historical 6 years + 15 days restriction deleted | 2007 amendment | Historical quantity only; not a current cap | C107 |
| Q42 | Legislative/rule dates and staged application events | Version table below | Dates are source dates, not transaction inputs | C087/C107–C121 |
Source ID · Issuer, title and complete literal HTTPS URL · Actual read bounds; status; use · 22 data rows
| Source ID | Issuer, title and complete literal HTTPS URL | Actual read bounds; status; use |
|---|---|---|
| S_WA-P18-S001 | L — Consumer Loan Act, definitions, RCW 31.04.015. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 | Complete (1)–(39), history/notes. Current; original S043 §9. Scope, computation and incorporation boundaries. |
| S_WA-P18-S002 | L — Application, RCW 31.04.025. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 | Complete (1)–(7), history/application notes. Current; original S042 §2/§5. |
| S_WA-P18-S003 | L — Prohibited conduct, RCW 31.04.027. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.027 | Complete (1)(a)–(o), (2), (3), history. Current; S042 §3. Student subsection read for exclusion. |
| S_WA-P18-S004 | L — License requirement/consequences, RCW 31.04.035. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035 | Complete (1)–(3), history/application notes. Current; S042 §§4–5. |
| S_WA-P18-S005 | L — Director’s powers, RCW 31.04.093. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.093 | Complete (1)–(13), history. Current; S043 §13. Only necessary consequence interfaces used. |
| S_WA-P18-S006 | L — Disclosure, RCW 31.04.102. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.102 | Complete (1)–(6), history. Current; S043 §14 and S044 §27. Federal and mortgage branches bounded. |
| S_WA-P18-S007 | L — Licensee powers/restrictions, RCW 31.04.105. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.105 | Complete (1)–(10), history/notes. Current; S044 §28, S045 §7. |
| S_WA-P18-S008 | L — Open-end requirements/restrictions/options, RCW 31.04.115. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.115 | Complete (1)–(8), history. Current; S046 §13. |
| S_WA-P18-S009 | L — Loan restrictions/interest calculations, RCW 31.04.125. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.125 | Complete (1)–(4), history. Current; S047 entire amending act. |
| S_WA-P18-S010 | L — Advertising, RCW 31.04.135. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.135 | Complete operative paragraph/history. Current; S049 §14. |
| S_WA-P18-S011 | L — Books/records/reports, RCW 31.04.155. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.155 | Complete four operative paragraphs/history. Current; S045 §8. Annual administrative reporting read but not expanded. |
| S_WA-P18-S012 | L — Rules/enforcement powers, RCW 31.04.165. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 | Complete (1)–(5), history. Current; S043 §16. |
| S_WA-P18-S013 | L — Penalties/good-faith conformity, RCW 31.04.175. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.175 | Complete (1)–(2), history. Current; S048 §14. |
| S_WA-P18-S014 | L — Sanctions/costs, RCW 31.04.205. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205 | Complete (1)–(2), history. Current; S044 §30. |
| S_WA-P18-S015 | L — CPA application, RCW 31.04.208. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.208 | Complete two operative paragraphs/history. Current; S048 §17. |
| S_WA-P18-S016 | L — Authority provision, RCW 31.04.211. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.211 | Complete paragraph/history read. Its 2009 c 120 §9 original was not opened; no indispensable new remedy relies on it. |
| S_WA-P18-S017 | L — Unfair methods/acts, RCW 19.86.020. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.020 | Complete operative paragraph/history. Current bridge only; 1961 original not opened. |
| S_WA-P18-S018 | L — Private CPA action, RCW 19.86.090. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090 | Complete operative paragraphs and notes. Current; S050 §1/§3. Full damages/jurisdiction merits excluded. |
| S_WA-P18-S019 | L — Public-interest impact, RCW 19.86.093. https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.093 | Complete (1)–(3), history. Current; S050 §§2–3. |
| S_WA-P18-S074 | L — Dog/cat purchase security contracts, RCW 31.04.430. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.430 | Complete body/history. Current; S076 §§3, 5–6. Narrow ordinary-loan purpose boundary. |
| S_WA-P18-S075 | L — Dog/cat financing prohibition, RCW 31.04.435. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.435 | Complete body/history. Current; S077 §6. |
| S_WA-P18-S078 | L — APA application, RCW 31.04.202. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.202 | Complete paragraph/history. Current; S048 §15. Underlying APA held. |
Source ID · Title and complete literal HTTPS URL · Actual read bounds; original; use · 22 data rows
| Source ID | Title and complete literal HTTPS URL | Actual read bounds; original; use |
|---|---|---|
| S_WA-P18-S020 | Definitions, WAC 208-620-010. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-010 | Complete (1)–(46), history. Current; S051. Business day, dwelling, principal and family boundaries. |
| S_WA-P18-S021 | Interpretation of definitions, -011. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-011 | Complete (1)–(14), history. Current; S053. |
| S_WA-P18-S022 | Licensing exemptions, -104. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-104 | Complete (1)–(10), history. Current; S053. Stale references expressly retained as gaps. |
| S_WA-P18-S023 | License requirement, -230. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-230 | Complete (1)–(3), history. Current; S053. |
| S_WA-P18-S024 | Mortgage-servicing licensing boundary, -231. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-231 | Complete (1)–(4), history. Current; S054. Boundary only. |
| S_WA-P18-S025 | Maximum interest, -235. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-235 | Complete operative sentence/history. Current; cited original 10-20-122 not authenticated: S069/S070. |
| S_WA-P18-S026 | Other applicable laws, -505. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-505 | Complete paragraph/history. Current; S053. Incorporation map only. |
| S_WA-P18-S027 | Disclosure requirements, -510. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-510 | Complete preamble and (1)–(9), history. Current; S051. Product-specific branches not imported. |
| S_WA-P18-S028 | Interest/open-end fee/insurance provisions, -515. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-515 | Complete (1)–(6), history. Current; S053. |
| S_WA-P18-S029 | Records, -520. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-520 | Complete preamble and (1)–(5), history. Current; S052. |
| S_WA-P18-S030 | Electronic records, -530. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-530 | Complete (1)–(4), history. Current; S054. |
| S_WA-P18-S031 | Third-party funds, -540. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-540 | Complete paragraph/history. Current; S056. |
| S_WA-P18-S032 | Prohibited business practices, -550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550 | Complete preamble and (1)–(24), history. Current; S052. |
| S_WA-P18-S033 | Allowable fees/timing, -555. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-555 | Complete (1)–(3), including all subparagraphs, history. Current; S052. Mortgage subsection distinguished. |
| S_WA-P18-S034 | Licensing-related refund text, -556. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-556 | Complete (1)–(2), history. Current posted rule; S056. Compared with 2024 statute. |
| S_WA-P18-S035 | Restricted/conditional fees, -560. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-560 | Complete preamble and (1)–(4), history. Current; S052. |
| S_WA-P18-S036 | Prohibited loan fees, -563. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-563 | Complete (1)–(2), history. Current; newly adopted in S052. |
| S_WA-P18-S037 | Advertising identity requirements, -620. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-620 | Complete operative body/history. Current; S052. |
| S_WA-P18-S038 | URL/assumed-name requirements, -621. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-621 | Complete operative body/history. Current; S052. |
| S_WA-P18-S039 | Electronic advertising, -622. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-622 | Complete operative body/history. Current; S052. MLO-specific incorporation not expanded. |
| S_WA-P18-S040 | Advertising prohibitions, -630. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-630 | Complete (1)–(9), history. Current; S052. |
| S_WA-P18-S041 | Federal advertising requirements, -640. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-640 | Complete paragraph/history. Current; S055. Underlying federal bodies held. |
Source ID · Issuer/title and complete literal HTTPS URL · Actual read bounds and status · 11 data rows
| Source ID | Issuer/title and complete literal HTTPS URL | Actual read bounds and status |
|---|---|---|
| S_WA-P18-S042 | L — 2024 c 249, SSB 6025, Predatory Loan Prevention Act. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2 | Entire instrument: cover index 0; §§1–5, pp.1–7/indices1–7; certification/end. Enacted; effective June 6, 2024; §5 application read. |
| S_WA-P18-S043 | L — 2018 c 62, E2SSB 6029. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+9 | Cover/index0; complete §9 pp.14–20/indices14–20; §12 p.23/index23; §13 pp.23–27/indices23–27; §14 pp.27–28/indices27–28; §16 pp.30–31/indices30–31; §§20–23 p.32/index32. Selected complete sections, not entire act. |
| S_WA-P18-S044 | L — 2015 c 229, SSB 5299. https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/5299-S.SL.pdf?cite=2015+c+229+s+28 | Cover/index0; complete §27 pp.42–43/indices42–43; §28 pp.43–44/indices43–44; §30 p.46/index46; terminal §37 p.51/index51 through end p.52/index52. Other act sections not claimed complete. |
| S_WA-P18-S045 | L — 2013 c 29, SB 5207. https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/5207.SL.pdf?cite=2013+c+29+s+8 | Cover/index0; complete §7 pp.14–15/indices14–15; §8 pp.15–16/indices15–16; terminal §12/end p.20/index20. |
| S_WA-P18-S046 | L — 2009 c 149, EHB 1311, session-law HTML. https://lawfilesext.leg.wa.gov/biennium/2009-10/Htm/Bills/Session%20Laws/House/1311.SL.htm | Header/effective information; complete §13(1)–(8); terminal certification/end. Parsed lines134–159. Used for .115; other reverse-mortgage merits excluded. |
| S_WA-P18-S047 | L — 2007 c 208, HB 1270. https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/House/1270.SL.pdf?cite=2007+c+208+s+1 | Entire instrument: cover/index0; §1 pp.1–2/indices1–2; end. Enacted amendment of .125. |
| S_WA-P18-S048 | L — 2001 c 81, HB 1205. https://lawfilesext.leg.wa.gov/biennium/2001-02/Pdf/Bills/Session%20Laws/House/1205.SL.pdf?cite=2001+c+81+s+14 | Cover/index0; complete §§14–15 p.15/index15; §16 pp.15–16/indices15–16; §17/end p.16/index16. Selected sections only. |
| S_WA-P18-S049 | L — 1991 c 208, SHB 1743. https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/1743-S.SL.pdf?cite=1991+c+208+s+14 | Complete §14 p.14/index15; §§19–25 pp.17–20/indices18–21, including continuation/effective clauses and end. Printed-page/index offset differs from the other listed PDFs. |
| S_WA-P18-S050 | L — 2009 c 371, SSB 5531. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1 | Entire instrument: cover/index0; §§1–3 pp.1–2/indices1–2; end. CPA amendment/application interface only. |
| S_WA-P18-S076 | L — 2019 c 340, SHB 1476. https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+3 | Entire instrument: cover/index0; pp.1–4/indices1–4; §§1–6/end. Relied §3 p.2/index2 and §§5–6 p.4/index4. Lease/retail merits not expanded. |
| S_WA-P18-S077 | L — 2023 c 208, ESHB 1424. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+6 | Cover/index0; complete §6 p.7/index7 and terminal certification/end. Other sections displayed incidentally are not claimed as completed sector coverage. |
Source ID · Instrument and complete literal HTTPS URL · Actual read bounds · 6 data rows
| Source ID | Instrument and complete literal HTTPS URL | Actual read bounds |
|---|---|---|
| S_WA-P18-S051 | WSR 22-24-048. https://lawfilesext.leg.wa.gov/law/wsr/2022/24/22-24-048.htm | Header/adoption/effective information; complete amended -010 and -510. Parsed lines0–36, 38–122, 164–231. |
| S_WA-P18-S052 | WSR 19-21-157. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm | Header lines0–51; complete -520, -550, -555, -560, new -563, -620, -621, -622, -630 at lines231–471; complete -240 repealer lines672–676. |
| S_WA-P18-S053 | WSR 18-24-013. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm | Header lines0–46; complete -011 lines188–259; -104 lines263–300; -230 lines303–316; -505 lines523–525; -515 lines594–608. |
| S_WA-P18-S054 | WSR 18-16-024. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm | Header/effective information; complete -231 lines236–245 and -530 lines407–413. Historical -550 lines417–449 also read for comparison; current -550 is S032/S052. |
| S_WA-P18-S055 | WSR 16-08-026. https://lawfilesext.leg.wa.gov/law/wsr/2016/08/16-08-026.htm | Header/adoption/effective information; complete -640 lines187–188. Historical -240 text also read, then checked against its later repeal. |
| S_WA-P18-S056 | WSR 13-24-024. https://lawfilesext.leg.wa.gov/law/wsr/2013/24/13-24-024.htm | Header/adoption/effective information; complete -540 line145 and -556 line175. Historical -555 lines160–174 and -560 lines176–183 read only for version comparison. |
Source ID · Issuer/title and complete literal HTTPS URL · Actual access/read status and permitted use · 17 data rows
| Source ID | Issuer/title and complete literal HTTPS URL | Actual access/read status and permitted use |
|---|---|---|
| S_WA-P18-S057 | L — RCW publication/currentness page. https://app.leg.wa.gov/rcw/default.aspx | Currency/compilation paragraphs read completely, parsed lines130–138. Publication information only. |
| S_WA-P18-S058 | D — WSR 26-10-087 preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm | Complete notice, lines0–25. Filed May 6, 2026; no adoption. |
| S_WA-P18-S059 | D — WSR 26-14-052 withdrawal. https://lawfilesext.leg.wa.gov/law/wsr/2026/14/26-14-052.htm | Complete notice, lines0–15. Filed June 25, 2026. |
| S_WA-P18-S060 | D — WSR 26-10-088 guidance-extension notice. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-088.htm | Complete notice, lines0–26. Notice only; underlying guidance S072 failed. |
| S_WA-P18-S061 | D — WSR 26-18-028 licensee-fee preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm | Complete notice, lines0–27. Filed August 25, 2026. |
| S_WA-P18-S062 | D — WSR 26-12-044 agenda. https://lawfilesext.leg.wa.gov/law/wsr/2026/12/26-12-044.htm | Complete agenda, lines0–32. Filed May 28, 2026; July–December agenda, not adoption. |
| S_WA-P18-S063 | Code Reviser — DFI agency register index. https://lawfilesext.leg.wa.gov/law/wsr/agency/FinancialInstitutions,Departmentof.htm | Selected current entries and historical original links, including initial lines through approximately139. Index, not operative coverage or exhaustive currentness certification. |
| S_WA-P18-S064 | Code Reviser — WAC chapter index/disposition. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true | Chapter headings/index portions, including lines157–272, and -240 disposition lines314–315. Not a complete chapter reading. |
| S_WA-P18-S065 | L — RCW 31.04 chapter index. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04&full=true | Index headings, including lines133–208; discovery of narrow purpose provisions. Not complete chapter coverage. |
| S_WA-P18-S066 | D — WSR 26-16-061. https://lawfilesext.leg.wa.gov/law/wsr/2026/16/26-16-061.htm | Header/subject portion through line96; retirement-program subject. Excluded as unrelated. |
| S_WA-P18-S067 | D — WSR 26-15-068. https://lawfilesext.leg.wa.gov/law/wsr/2026/15/26-15-068.htm | Header/subject portion through line61; investment-adviser subject. Excluded as unrelated. |
| S_WA-P18-S068 | L — HB 1311 document index. https://app.leg.wa.gov/bi/Tld/DocumentSearchResults?biennium=2009-10&name=1311 | Document-list portion lines134–173; session-law HTML link used. No rollcall/person investigation. |
| S_WA-P18-S069 | Code Reviser — WSR 10-20-122 HTML. https://lawfilesext.leg.wa.gov/law/wsr/2010/20/10-20-122.htm | Timeout; no adopted body authenticated. |
| S_WA-P18-S070 | Code Reviser — 2010 issue 20 permanent-rule PDF. https://lawfilesext.leg.wa.gov/law/wsr/2010/20/10-20PERM.pdf | One materially different route after S069; tool size limit; no body authenticated. |
| S_WA-P18-S071 | D — Predatory Loan Prevention Act rulemaking page. https://dfi.wa.gov/rulemaking/predatory-loan-prevention-act-rulemaking | HTTP403. Official Register route used instead. Search-discovered 2026 proposal links remain unverified. |
| S_WA-P18-S072 | D — CLA guidance PDF. https://dfi.wa.gov/sites/default/files/2026-06/cla-24-02.pdf | HTTP403. Alternate official notice S060 establishes only the notice’s contents, not the guidance conditions. |
| S_WA-P18-S073 | L — 2009 c 149 session-law PDF. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1311.SL.pdf?cite=2009+c+149+s+13 | Initial metadata/partial retrieval; targeted body access failed. Complete §13 was read through alternate HTML S046. Same instrument, not independent corroboration. |
Instrument · Verified date/status · Material relationship · 23 data rows
| Instrument | Verified date/status | Material relationship | Application/savings/transition qualification |
|---|---|---|---|
| 1991 c 208, S049 | Enacted; §§1–23 effective January 1, 1992; §24 effective January 1, 1993 | Original .135 and CLA transition provisions examined | §§19–25 include continuation, severability and repealers. No claim that a continued rule escaped later repeal. |
| 2001 c 81, S048 | Effective July 22, 2001 | Current .175, .202 and .208 bodies traced to complete selected original sections | Only identified sections and end were read; no complete historical licensing administration. |
| 2007 c 208, S047 | Effective July 22, 2007 | General term restriction deleted; add-on framework republished | Entire amending act read. Earlier 1995 origination of retained language not independently reconstructed. |
| 2009 c 149, S046 | Effective July 26, 2009 | .115 republished with reverse-mortgage exceptions | Complete §13 and terminal material read; reverse-mortgage merits excluded. |
| 2009 c 371, S050 | Effective July 26, 2009 | CPA private-action/public-interest amendments | §3 applies to causes accruing on or after effectiveness; no actual accrual determination. |
| 2013 c 29, S045 | Effective July 28, 2013 | Closing prepaid interest and record retention changes | Complete relied §§7–8, cover and terminal section read; not the entire act. |
| 2015 c 229, S044 | Effective July 24, 2015 | Current .105 and .205 amendments; disclosure comparison | Complete relied §§27,28,30 and terminal material read; no act-wide savings certification. |
| 2018 c 62, S043 | General effective date June 7, 2018 | Definitions, disclosure and agency powers republished/amended | §21’s earlier-of implementation event, §22 severability and terminal clauses read. No student-merits reuse. |
| 2019 c 340, S076 | Effective July 28, 2019 | Narrow secured dog/cat rule, accompanying consequences and exclusion | Entire act read; date and secured/unsecured distinction preserved. |
| 2023 c 208, S077 | Effective July 23, 2023 | Broader dog/cat financing prohibition | §6 expressly uses on-or-after effectiveness; older unsecured exclusion does not override it. |
| 2024 c 249, S042 | Effective June 6, 2024 | New anti-evasion language and materially changed nonresidential licensing consequence | Entire act read. §5 prospective clause accompanies all relied 2024 changes. Earlier loans are excluded unless modified/renegotiated after the stated date. |
| WSR 13-24-024, S056 | Filed November 22, 2013; effective January 1, 2014 | Current -540/-556 originals; older fee text compared | Later statutes/rules must be considered; -556 is not treated as the complete post-2024 consequence. |
| WSR 16-08-026, S055 | Filed/adopted March 30, 2016; effective April 30, 2016 | Current -640 original; historical -240 inspected | -240 later repealed. |
| WSR 18-16-024, S054 | Filed July 24, 2018; effective September 1, 2018 | Current -231/-530 originals | Mortgage-specific capacity remains mortgage-specific. |
| WSR 18-24-013, S053 | Filed/adopted November 27, 2018; effective January 1, 2019 | Current -011/-104/-230/-505/-515 originals | Republished ordinary language was freshly read; student headings do not settle ordinary coverage. |
| WSR 19-21-157, S052 | Filed/adopted October 22, 2019; effective November 24, 2019 | Current fee, practice, record and advertising rules; new -563 | Deleted former rate-lock aggregation language; repealed -240. Both changes verified in the original. |
| WSR 22-24-048, S051 | Filed/adopted November 30, 2022; effective December 31, 2022 | Latest opened -010/-510 originals | Product-specific disclosure boundaries preserved. |
| WSR 10-20-122, S069/S070 | Original inaccessible | History cited by current -235 | No opened-original claim; current ceiling separately supported by statute and -515. |
| WSR 26-10-087, S058 | Filed May 6, 2026; preproposal | Renewed rulemaking inquiry | Not adopted text. |
| WSR 26-14-052, S059 | Filed June 25, 2026; withdrawal | Withdraws 25-18-022 | Withdrawal notice authenticated; proposal merits not relied on. |
| WSR 26-10-088, S060 | May 6, 2026 notice; stated extension through September 1, 2026 | Interim-guidance status | Full guidance and any later extension remain unverified. |
| WSR 26-18-028, S061 | Filed August 25, 2026; preproposal | Licensee fee/assessment refund inquiry | Not borrower-refund law. |
| WSR 26-12-044, S062 | Filed May 28, 2026; July–December agenda | Planned rulemaking subjects | An agenda is not an effective-date or adoption instrument. |
Branch · Missing predicate · Supported conditional consequence · 22 data rows
| Branch | Missing predicate | Supported conditional consequence | Adverse inference excluded | Exact next generic inquiry |
|---|---|---|---|---|
| B01 — Loan category | Money-lent/charge structure, purpose and statutory product category | C001–C004 identify applicable classification tests | A marketed “advance” or “installment” label decides the law | Complete any additional adopted category definition and its express exclusions |
| B02 — Territorial nexus | Residence, physical location and relevant activity | C005–C007 identify alternative nexus/evasion routes | No Washington office means no Washington law | Resolve generic interstate/preemption construction without provider or transaction lookup |
| B03 — Depository agency arrangement | Permitted banking activity; excess-rate predicate; economic interest/structure | C007/C008 permit only conditional analysis | Either asserted bank involvement or nonbank involvement automatically decides coverage | Complete incorporated banking/preemption authorities and generic attribution construction |
| B04 — Business-purpose exclusion | Primary purpose and primary-dwelling security | C010 preserves exclusion and exception | Any commercial lender or “business” label makes the loan exempt | Complete purpose/collateral construction; no actual property inquiry |
| B05 — Nonprofit/family/isolated lending | Exact statutory/rule category and incorporated standards | C011–C019 provide narrow routes | Nonprofit, relative or occasional status creates universal immunity | Reconcile current statute with -104 and complete relevant program/tax/SAFE incorporation |
| B06 — Ownership/servicing | Activity, product, rights and separate licensing law | C020 prevents mortgage exclusions from doing ordinary-loan work | An ordinary note purchaser needs no authority, or necessarily needs the same authority as a maker | Separate generic ordinary debt ownership/servicing/collection-capacity inquiry |
| B07 — Financed origination fee | Legally applicable interest base and fee treatment | C026/C028 establish distinct amount/balance concepts and cap | Financing automatically authorizes interest on the fee or fee-on-fee origination | Reconcile .015(31), .105(2), -010(32)–(33), -011(12) |
| B08 — Additional fee | Category, actual service/cost, writing, timing and aggregate authority | C029–C036 provide conditional permissions/prohibitions | Mention of a fee independently authorizes any amount | Complete fee-aggregation and rate-lock/discount-point construction |
| B09 — Late/dishonor charge | Qualifying delinquency or return, agreed terms and fee history | C038/C039 establish specified ceilings/events | Failed payment establishes default, fraud, repeated fees or all collection costs | Resolve generic partial-payment, frequency and contractual-entitlement questions |
| B10 — Allocation | Applicable category, lawful payment terms and statutory ordering | C068 preserves both texts | Contract language overrides statutory ordering | Obtain authoritative generic reconciliation; no actual contract |
| B11 — Receipt/payoff | Delivery conditions or qualifying written request | C066/C067 support defined duties | Processing date, after-hours delivery and effective credit are interchangeable | Examine any current ordinary-loan rule addressing those distinct events |
| B12 — Add-on refund | Eligible add-on loan, full early payment, paid-ahead/arrears conditions | C072–C076 identify refund method branches | Every prepayment uses the same formula or refunds every fee | Resolve method definitions, rounding ties and counting conventions |
| B13 — Simple-interest payoff | Valid accrued-interest base and lawful fees | C025/C070 establish structural limits | No penalty means every previously collected charge is unearned | Complete prepaid-interest earning/refund and contractual payoff requirements |
| B14 — Successive loan | Prior origination, same borrower/lender, new-money amount or line increase | C078/C079 restrict the fee base | Every renewal is prohibited, or passage of a label avoids the rule | Complete renewal/consolidation definitions and 120-day endpoint construction |
| B15 — Refinance exception | Old-fee refund or demonstrated benefit including fees | C080 provides separate exceptions | Lower payment alone proves benefit | Complete generic net-benefit standards and interaction with all fee restrictions |
| B16 — Unlicensed transaction | Chapter coverage, required-license violation, loan category and application date | C085–C088 identify express statutory branches | Every pricing error voids a loan, or older refund text exhausts current consequences | Resolve 2024 prospective application and older-rule comparison |
| B17 — Agency relief | Violation, damage/fee nexus, process and exercise of authority | C089–C097 identify available powers and exceptions | Complaint, sanction or possible power equals an actual refund or criminal result | Complete only the necessary APA/remedial construction in its separate component |
| B18 — Private CPA route | Statutory violation, business/property injury and causation | C098–C100 identify the bridge | Public-interest declaration alone establishes recovery | Separate CPA injury/causation and judicial-construction work |
| B19 — Collateral release | Full satisfaction or open-end release branch | C082/C083 identify source duties | Scheduled payment, payoff quote or zero balance necessarily terminates every security interest | Complete applicable release/satisfaction law and reconcile timing clauses |
| B20 — Narrow prohibited purpose | Statutory purchase purpose, collateral where relevant, and application date | C103–C105 identify distinct express consequences | The 2019 unsecured exclusion authorizes post-2023 prohibited financing | Preserve both originals and complete only any indispensable construction |
| B21 — Federal disclosure/protected party | Federal product/person coverage and delivery conditions | C049/C050/C064 identify bridges | State reference proves federal compliance, rescission or damages | Complete relevant TILA/Reg Z, E-SIGN, military or other federal provisions |
| B22 — 2026 change | Authenticated adopted text, filing, effective and application clauses | C114–C118 classify verified records | Proposal, agenda or inaccessible link changes operative law | One permitted ordinary official route to the actual later instrument if discovered; no bypass |
Conceptual field · Evidence · Predicate · 26 data rows
| Conceptual field | Evidence | Predicate | Interpretation | Result |
|---|---|---|---|---|
| Statutory loan category | ||||
| Actor/activity category | ||||
| Purpose category | ||||
| Territorial nexus | ||||
| Exemption or waiver basis | ||||
| Collateral category | ||||
| Applicable statutory version | ||||
| Applicable rule version | ||||
| Interest method | ||||
| Legally defined interest base | ||||
| Origination-fee authority | ||||
| Other charge authority | ||||
| Agreement requirement | ||||
| Disclosure incorporation | ||||
| Delivery/consent requirement | ||||
| Payment receipt rule | ||||
| Allocation rule | ||||
| Payoff-information rule | ||||
| Prepayment rule | ||||
| Refinance/new-loan distinction | ||||
| Refund or credit predicate | ||||
| Collateral-release predicate | ||||
| Consequence provision | ||||
| Application/transition clause | ||||
| Unresolved incorporation | ||||
| Unresolved construction |
Requested question/material subquestion · Coverage disposition · Evidence/claims · 46 data rows
| Requested question/material subquestion | Coverage disposition | Evidence/claims | Exact remaining boundary |
|---|---|---|---|
| 1 — Actual ordinary loan definition | Authenticated | S001/S020/S021; C001–C004 | No actual classification |
| 1 — Making/offering/committing/funding | Authenticated statutory distinction | C002/C007 | Separate funding/ownership facts absent |
| 1 — Brokering and dual compensation | Narrowly authenticated | C102; .015(17), .105(4), -550(20) | Full ordinary brokerage authorization not completed |
| 1 — Ownership/servicing/collecting | Boundary authenticated; positive capacity held | C020 | H03; mortgage exclusions cannot be generalized |
| 1 — Consumer/business/commercial/agricultural purpose | Authenticated conditional framework | C003/C010 | Purpose construction and actual application absent |
| 1 — Dwelling/real/personal collateral | Necessary distinction authenticated | C004/C027 | Federal dwelling and full secured law held |
| 1 — Territory/remote/anti-evasion | Authenticated | C005–C007 | Interstate/tribal/preemption construction held |
| 1 — Banks/credit unions | Conditional exclusion read | C008 | Incorporated banking authority held |
| 1 — Public/nonprofit/housing programs | Conditional exclusions read | C012–C013 | Program/tax incorporations not completed |
| 1 — Isolated/family/seller transactions | Rule/statute boundaries read | C011/C019 | Stale references and SAFE predicates held |
| 1 — Retail/pawn/payday/credit card/student/EWA | Boundaries recorded | C009/C014/C021 | Separate sector merits excluded; EWA current law unresolved |
| 1 — Narrow licensing gateway | Authenticated | C022/C085–C088 | Full licensing administration deliberately excluded |
| 2 — Interest ceiling/method/base | Authenticated with comparison holds | C024–C027 | H04/H05/H07 |
| 2 — Origination fee/tier/financing | Authenticated | C028/Q02 | Entitlement and interest-on-fee held |
| 2 — Third-party/admin/underwriting/filing charges | Authenticated conditions | C029–C033 | Broken reference and aggregate authority held |
| 2 — Annual/minimum/percentage/flat charges | Annual/percentage/flat provisions authenticated | C034/C038–C039/Q38 | No universal minimum-charge conclusion |
| 2 — Rate lock/discount points/double charges | Conditions and historical deletion authenticated | C035–C036/C102/C111 | H06 |
| 2 — Late/dishonor/collection expenses | Authenticated narrow provisions | C038–C040 | Frequency, default and full collection law held |
| 2 — Simultaneous/successive loans/anti-evasion | Successive-loan rule and anti-evasion read | C006–C007/C078–C081 | No universal count or consolidation definition |
| 2 — Insurance charges | Narrow state bridges authenticated | C041–C043/C122 | Title 48 and policy merits held |
| 3 — Written agreement and borrower copy | Open-end requirements authenticated | C053–C057 | Full ordinary closed-end checklist remains H09 |
| 3 — Preclosing review/signature/blanks | Authenticated | C041/C051–C052 | No form prepared; electronic execution held |
| 3 — Disclosure/form/timing | State bridges and product boundaries read | C049–C050/C064 | Complete federal bodies not read |
| 3 — Language/accessibility/electronic delivery | Exact gap recorded | C064–C065 | Storage rule does not answer consent/delivery |
| 3 — Advertising/representations/availability | Authenticated state requirements | C058–C062 | Federal calculation/model compliance held |
| 3 — Nonwaiver | Narrow closing prohibition authenticated | C063 | No universal contract judgment |
| 4 — Receipt/crediting/payoff | Defined duties authenticated | C066–C067 | After-hours/electronic receipt and effective credit held |
| 4 — Allocation/partial payments | Statute/rule comparison authenticated | C068/C074 | H05/H10 |
| 4 — Over/underpayment/due-date/default/grace | Bounded gaps recorded | C069 | No imported mortgage/student rules |
| 4 — Record retention/access/correction | Retention authenticated | C065/C106 | No universal consumer-access/dispute mechanism established |
| 5 — Prepayment penalty/full payoff | Authenticated | C070–C071 | Refund and satisfaction remain distinct |
| 5 — Add-on unearned-interest refund | Complete material state branches authenticated | C072–C076 | Method implementation, ties/counting held |
| 5 — Ordinary simple-interest/prepaid-interest refund | Structural duties; exact remaining gap | C025/C037/C077 | H11 |
| 5 — Cancellation/rescission | No universal state right inferred | C049/C064/C077 | Federal/product predicates held |
| 5 — Refinancing/renewal/consolidation/line increase | Specific 120-day branches authenticated | C078–C081 | Definition, endpoint and benefit construction held |
| 5 — Release/satisfaction | Narrow duties authenticated | C082–C083 | Full secured law excluded |
| 6 — Prohibited conduct/consequence interfaces | Authenticated within scope | C063/C085–C106/C122 | No accusation or actual consequence |
| 6 — 2024 validity versus older rule refunds | Express comparison completed | C085–C088 | H13 |
| 6 — Agency refund/restitution/process | Necessary powers/predicates read | C089–C097/C101 | APA/court process and actual relief excluded |
| 6 — CPA/private action | Necessary bridge/predicates read | C098–C100/C120 | Full CPA damages/judicial construction separate |
| 6 — Narrow prohibited loan purposes | Authenticated | C103–C105 | No full retail/animal-sale component |
| 7 — Material adopted originals | Opened bounds specified | S042–S056/S076–S077 | Earlier unexamined history remains H15 |
| 7 — Effective/application/savings clauses | Material clauses read and registered | Version table | No act-wide claim beyond stated bounds |
| 7 — 2024 prospective qualification | Authenticated in entire original | C087 | Same-day modification/other construction not invented |
| 7 — 2025–2026 proposed/future status | Bounded discovery completed | C113–C118 | Inaccessible proposal/guidance and later adoption remain H14 |
| Deliberate exclusions | Preserved | Prior-scope matrix and holds | Full P8/P16/P17, retail/pawn/title, adjustment, collection, court, bankruptcy, usury, federal, local/tribal and actual-transaction work |
Log item · Actual activity · Result and limitation · 15 data rows
| Log item | Actual activity | Result and limitation |
|---|---|---|
| R01 | Opened RCW/WAC chapter indexes and searched within them for relevant headings and terms | Discovery only; did not count the indexes as complete chapter readings |
| R02 | Opened the complete current RCW sections listed in S001–S019 | Definitions, exceptions, pricing, disclosure and consequence bodies read; incorporated external chapters separately held |
| R03 | Opened the complete current WAC sections listed in S020–S041 | Ordinary, mortgage and student branches distinguished within complete sections |
| R04 | Followed official statutory-history links to S042–S050 | Read the exact complete sections and application/terminal clauses recorded in the source ledger |
| R05 | Located and opened adopted rule originals S051–S056 | Read complete relied rule sections, headers and material repealer/deletion text |
| R06 | Used official document index S068 after the 2009 PDF route failed | Opened the session-law HTML and completed §13; no person/rollcall investigation |
| R07 | Checked -240 disposition and the adopted repealer after its individual route failed | Established repeal from affirmative official text, not from failed access |
| R08 | Opened current .430/.435 and their originals S076/S077 | Added only the narrow ordinary-loan purpose/consequence boundaries |
| R09 | Opened .202 and matched its original §15 in S048 | Recorded APA incorporation without completing APA merits |
| R10 | Opened currentness/publication material and complete 2026 notices S057–S062 | Distinguished preproposal, withdrawal, agenda and guidance notice from adopted law |
| R11 | Inspected the subject/header portions of S066/S067 | Excluded unrelated retirement/investment-adviser rules |
| R12 | Used within-page finds for “receipt,” “agreement,” “partial,” “prepay,” “refinanc,” “earned,” “minimum,” relevant WAC numbers and original section numbers | Followed relevant hits with section reads; unsuccessful stem searches were not treated as proof of absence |
| R13 | Rechecked complete .125, -555, -560, .025, .115, -550, .105 and -104 during synthesis | Confirmed refund endpoints, fee conditions, prohibited-practice scope and stale-reference distinctions; no failed route was retried |
| R14 | Rechecked selected .015/-011 text during synthesis | Earlier complete-section reads remain the coverage basis; truncated combined output was not counted as a new complete reading |
| R15 | Examined the supplied prior-pass metadata only for scope preservation | No external prior-chat or prior-file inspection, import or independent-review claim |
Search batch · Exact queries · Material result · 8 data rows
| Search batch | Exact queries | Material result |
|---|---|---|
| D01 — Engine 1, 365-day filter | site:app.leg.wa.gov "31.04.105" "2026"; site:lawfilesext.leg.wa.gov "208-620" "2026" "nonmortgage"; site:dfi.wa.gov "consumer loan" "2026" "Predatory Loan" | Current body, rulemaking/guidance routes, 2026 fee preproposal |
| D02 — Engine 1, 365-day filter | site:lawfilesext.leg.wa.gov/law/wsr/2026 "predatory loan" "208-620"; site:lawfilesext.leg.wa.gov/law/wsr/2026 "208-620" "PERMANENT RULES"; site:leg.wa.gov "2026" "31.04" "consumer" "chapter" | Preproposal, withdrawal, guidance and proposal discovery; no absence conclusion |
| D03 — Engine 1, 365-day filter | site:lawfilesext.leg.wa.gov "2026" "Predatory Loan Prevention Act" "PROPOSED RULES"; site:dfi.wa.gov "Predatory Loan" "CR-102" "2026"; site:lawfilesext.leg.wa.gov "208-620-236" "2026"; site:app.leg.wa.gov "31.04" "2026 c" | Unverified 2026 proposal links and official notices; newsletter snippet unused |
| D04 — Engine 2 | site:lawfilesext.leg.wa.gov "2026" "208-620" "PROPOSED RULE MAKING"; site:dfi.wa.gov "plpa" "2026" "cr-102"; site:lawfilesext.leg.wa.gov "19-21-157" | Agency index, 2019 adopted original, planning records |
| D05 — Engine 2 | site:lawfilesext.leg.wa.gov "2009" "1311-SL" "Sec. 13"; site:lawfilesext.leg.wa.gov "13-24-024" "PERMANENT"; site:lawfilesext.leg.wa.gov "18-16-024" "PERMANENT"; site:lawfilesext.leg.wa.gov "16-08-026" "10-20-122" | Adopted rule originals; first 2009 search did not resolve the body |
| D06 — Engine 1 | site:lawfilesext.leg.wa.gov "1311.SL" "2009"; site:lawfilesext.leg.wa.gov "10-20-122" "PERMANENT RULES"; site:lawfilesext.leg.wa.gov "2026" "208-620" "Predatory" "PROPOSED" with 90-day filter; site:lawfilesext.leg.wa.gov "2025" "2026" "earned wage" "31.04" with 730-day filter | 2010 original routes and planning records; no earned-wage exclusion or absence finding |
| D07 — Engine 2 | site:app.leg.wa.gov 2009 HB 1311 reverse mortgage bill; site:leg.wa.gov 2009 chapter 149 session laws 1311 | Official document index and session-law HTML; incidental people/rollcalls not opened |
| D08 — Engine 1 | site:lawfilesext.leg.wa.gov/law/wsr/2026/ "208-620" "PROPOSED RULES" with 180-day filter; site:lawfilesext.leg.wa.gov "2026" "208-620-236" "Effective" with 180-day filter; site:lawfilesext.leg.wa.gov/biennium/2025-26 "31.04.105" "Sec." "2026" with 730-day filter | Preproposal/withdrawal/agenda/archive results; no universal no-later-change conclusion |
Failure · First ordinary public route · Result · 5 data rows
| Failure | First ordinary public route | Result | One materially different ordinary official route | Final disposition |
|---|---|---|---|---|
| F01 | S071 DFI rulemaking page | HTTP403 | Official Register notices/index, S058–S063 | Notices authenticated; actual later proposal body remains held |
| F02 | S072 guidance PDF | HTTP403 | S060 Register guidance-extension notice | Notice authenticated; guidance terms and later status not authenticated |
| F03 | S073 2009 session-law PDF | Initial metadata/partial retrieval, followed by inaccessible target body | S068 official document index to S046 session-law HTML | Complete §13 obtained; same instrument, no independent corroboration claim |
| F04 | https://app.leg.wa.gov/wac/default.aspx?cite=208-620-240 | Individual section inaccessible | S064 chapter disposition, followed by S052 adopted repealer | Repeal affirmatively verified |
| F05 | S069 WSR 10-20-122 HTML | Timeout | S070 official issue PDF | Tool size limit; stopped after the alternate; original remains held |
Hold ID · Exact unresolved issue · Consequence for this report · 21 data rows
| Hold ID | Exact unresolved issue | Consequence for this report |
|---|---|---|
| H01 — Federal incorporations | TILA/Reg Z coverage, amount/finance-charge/APR rules, closed-end/open-end disclosures, rescission, federal remedies; EFTA/Reg E; E-SIGN; SAFE; banking/preemption; other laws listed in -505/-640 | State references establish bridges only. The legacy federal reference in -630 and the Part 1024/Regulation Z wording in .102 are not silently repaired. |
| H02 — Exemption incorporations | Banking authority, chapter 19.60, chapter 63.14, chapter 31.45, housing-program statutes, TILA organizations, SAFE exclusions, chapter 18.44 and tax/program standards | Exemptions remain conditional. These separate bodies were not rerun. |
| H03 — Actor/product construction | Ordinary brokerage, ownership, assignment, servicing and collection capacity; earned-wage/employer advances; purpose/nexus characterization | Mortgage and student definitions do not settle ordinary capacity; no label-based classification. |
| H04 — Interest on financed fees | Reconcile .105(2), .015(31), -010(32)–(33) and -011(12) concerning principal amount/balance and the interest base | No interest-on-origination-fee or fee-on-fee conclusion. |
| H05 — Allocation | Reconcile statutory nonresidential ordering with -011’s loan-document direction | No contract override or universal partial-payment allocation. |
| H06 — Fee aggregation | Ordinary-loan treatment of rate-lock and discount-point provisions; effect of 2019 deletion; stale third-party definition reference | No unlimited additional charge and no resurrection of deleted aggregation text. |
| H07 — Open-end method (iii) | Relationship between the literal daily-rate/average-balance product and cycle charging | No missing multiplier or favorable computational correction invented. |
| H08 — Counting and rounding | Daily endpoints, “within” periods, anniversary treatment, quarter-percent ties, unspecified rounding and “promptly” | No calendar or monetary computation. |
| H09 — Agreement/delivery | Complete ordinary closed-end writing/copy/content requirements, language/accessibility, electronic signature/delivery/consent and federal model-form rules | Open-end and state structural duties are reported; universal closed-end checklist remains incomplete. |
| H10 — Payment/default | After-hours/electronic receipt, effective credit, over/underpayments, allocation beyond authenticated clauses, due-date changes, default and grace | No mortgage/student servicing import. |
| H11 — Earning/refund/rescission | Simple-interest prepaid amounts, other unearned charges, contractual refund entitlement and any applicable cancellation right | Add-on refund provisions and penalty bans remain distinct from broader refund rights. |
| H12 — Refinancing | Exact 120-day counting; new loan versus renewal/consolidation; net-tangible-benefit construction; fee reuse outside the stated branch | No actual refinance, benefit or fee result. |
| H13 — 2024 application/consequence | Older -230/-556 language versus amended .035; precise treatment of prior loans and modification on the effective date; other construction | Express prospective text preserved; no automatic invalidity from every defect. |
| H14 — Currentness | Unread 2026 CR-102/proposed text, any later adopted/future-effective rule, full interim guidance and later extension | Bounded discovery only; no all-law-through-date certification. |
| H15 — Original history | Failed 2010 original for -235; unopened earlier origins of retained language; .211’s 2009 original and .020’s 1961 original; act portions outside stated bounds | Latest opened material amendments support reported provisions; no complete historical genealogy. |
| H16 — Insurance/tax/privacy | Title 48, single-premium conditions, policy rights, tax-program predicates and broader privacy/data-security law | Narrow state bridges and conditions only; no policy or personal-data review. |
| H17 — Secured law | Security validity, perfection, release/satisfaction instruments, repossession and reconciliation of open-end release conditions with other duties | Only indispensable collateral boundaries and source-stated release duties reported. |
| H18 — Remedies/construction | Full APA, CPA injury/causation/damages, standalone private CLA cause, judicial interpretation, usury, enforcement limitations and court process | No case/opinion/docket search, award, prosecution, stay, withholding permission or actual recovery. |
| H19 — Protected parties | Military/protected-party law and the breadth of -510(8)(a) beneath its student-loan heading | No universal ordinary-loan military disclosure conclusion from that heading/subparagraph combination. |
| H20 — Local/tribal/interstate | Local law, tribal sovereignty, choice of law, interstate licensing and federal preemption | Unexamined law is not declared inapplicable. |
| H21 — Actual application | All identifying, contractual, transactional, financial, timing, licensing and event predicates | Deliberately absent; no actual outcome or operational permission follows. |
Check · Result · 13 data rows
| Check | Result |
|---|---|
| PASS identity | Only S_WA PASS-18 ordinary nonmortgage CLA work is reported |
| Prior-pass boundaries | Supplied provenance/status preserved; no substantive P8/P16/P17 premise imported |
| Primary-source basis | Consequential text findings map to fresh official-source readings and exact provisions |
| Complete-section discipline | Complete relied current sections distinguished from indexes, snippets and selected original sections |
| Original-law discipline | Opened originals and read bounds stated; inaccessible/unopened originals remain explicit |
| Currentness discipline | Codification date, filing date, effective date, application clause, agenda, preproposal and withdrawal kept distinct |
| Numerical discipline | Only legal constants and symbolic relations; no financial input, rate selection, populated arithmetic or calendar |
| Product discipline | Ordinary, add-on, open-end, residential, student, payday, retail and other exclusions distinguished |
| Consequence discipline | Licensing duty, sanction, transaction validity, agency refund, CPA predicate and actual relief kept separate |
| Document/data discipline | No identifying narrative, actual/invented transaction, contract, filled form, financial record or medical information |
| Worksheet | Entirely blank evidence/predicate/interpretation/result cells |
| Access discipline | Fresh failures and one alternate official route recorded; no bypass |
| Review status | This is researcher self-check only; no independent-review, import, save, parent or publication acceptance claim |
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.
These components repair their stated scope. They do not replace every other finding in this research series.
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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.
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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.
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
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.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
whole first scoped review complete two material patches resolved other holds
Inside: 1. Source and usage register · 3. Old-versus-new patch table · 5. Source-version and quantity-or-unchanged table
Inside: 1. Source and usage register · 2. Corrected claim table · 3. Complete old/new patch table
Inside: Two bounded source corrections · 1. Exact replacement claim table · 2. Necessary cross-reference patch table
Inside: 1. Exact two-cell replacements · 2. Minimal source and claim traceability · 4. Actual read/failure log and version limits
Inside: Washington provider market access and consumer fees · 1. What Washington classifies as debt adjustment · Conduct controls the classification
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
Inside: Generic limitation periods, accrual, acknowledgment, payment and revival · How to read the registers · 1.1 Ordinary contracts, accounts, sales and leases
Inside: 1. Reading conventions and authority boundaries · Authority and procedural-category comparison · 2.1 Courts, jurisdiction, venue, and procedural tracks
Inside: Reading conventions · A1. Legal categories, jurisdictional predicates, and authority levels · A2. Symbolic wage relations and adopted rate references
Inside: Washington non-earnings bank/deposit garnishment, account protections, and exemption process · Reading and citation conventions · 1.1 What each authority governs
Inside: Washington homestead and ordinary nonwage, nondeposit property exemptions from execution · Reading conventions · 1.1 The principal distinctions
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
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
Inside: Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies · Reading conventions · 1. Material category, actor, authority, and event comparisons
Inside: 1. Principal findings · Identifier convention · 2. Material legal-category and authority comparisons
Inside: 1. Substantive findings by requested question · Question 1 — Governing regimes and classification · Question 2 — Agreement, disclosure, writing, and prohibited terms
Inside: Reading conventions · 1. Material category and authority comparisons · B. Rent increases, nonwaiver, and dishonored-payment boundaries
Inside: Reading key and limits · 1.1 Statutes: instruments, literal URLs and read bounds · 1.2 Administrative-code instruments and section-by-section usage
Inside: 1. Material legal-category and actor comparisons · 2A. Current codified operative sources · 2B. Adopted originals, federal poverty publication, interpretation, and status sources
Inside: Washington student-loan servicing and borrower protection · 1. Material category and authority comparisons · Reading and identification conventions
Inside: 1. Reading conventions and evidentiary status · A. Category, actor, exemption, and territorial boundaries · B. License, endorsement, limited-agent, and financial-security structure
Inside: Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries · 2. Source and usage ledger · Reading conventions
Inside: Ordinary contested civil debt proof in Washington · 1.2 Assertions, admissions, affidavits, and declarations · 1.3 Documentary and electronic proof
Original saved Markdown SHA-256: 3f3c3e9bbd4ca4d16cb758163d2f1edf52c9128b61463aaa8d02c453a004cef7. Public formatting, private-reference removal and correction annotations are separate from that immutable original.