| 208-620-010 | Definitions. |
| LICENSING | |
| 208-620-230 | Do I need to apply for a consumer loan license if I am lending money in the state of Washington? |
| 208-620-235 | Is there a maximum rate of interest allowed under the act? |
| 208-620-240 | Once I am licensed, does the act apply to all loans I make or only those above twelve percent? |
| 208-620-245 | Does the Consumer Loan Act allow me to make one or two loans subject to the act without being licensed? |
| 208-620-250 | If my out-of-state company applies for a license under the Consumer Loan Act do we have to have a branch in the state of Washington? |
| 208-620-260 | If I am licensed under the Consumer Loan Act, can I broker loans in the state of Washington? |
| 208-620-270 | Can I make a loan subject to the act without first getting a license? |
| 208-620-280 | How do I apply for a consumer loan license? |
| 208-620-285 | If my application is incomplete when I file it with the department, what will happen? |
| 208-620-290 | What fees will I be charged for my application for a consumer loan license? |
| 208-620-300 | If I want to open more than one office, do I have to file an application for each location? |
| 208-620-310 | Is it necessary to license an office that is only providing underwriting and other back-office services? |
| 208-620-320 | What is the amount of the bond required for my consumer loan license? |
| 208-620-330 | Does the surety bond need to reflect coverage for licensee and its W-2 employees and independent contractors? |
| 208-620-340 | Do I have any alternative to maintaining a surety bond? |
| 208-620-350 | If I qualify to use a bond substitute in lieu of a surety bond, what documentation do I have to provide to the department? |
| 208-620-360 | What if I choose the bond substitute alternative and my unimpaired capital falls below the minimum? |
| 208-620-370 | What are the grounds for denying or conditioning my license application? |
| 208-620-380 | Are there any additional requirements for out-of-state licensees? |
| 208-620-390 | If I am offering loans by mail or internet to Washington residents, do I have to license those locations? |
| 208-620-395 | Do I need to display my license in my place of business? |
| 208-620-400 | Can I share an office with another business? |
| 208-620-410 | May I sell other types of products from my licensed location? |
| 208-620-420 | May I transact business in a name other than the name on my license? |
| 208-620-425 | May I transfer or assign my license? |
| LICENSEE REPORT REQUIREMENTS | |
| 208-620-430 | What are my annual filing requirements as a consumer loan licensee? |
| 208-620-440 | How do I calculate my annual assessment for activity in Washington? |
| 208-620-460 | Must I file my annual report even if I go out of business during the year? |
| 208-620-470 | Do I need to notify the department if I move the location of my office? |
| 208-620-475 | Must I notify the department if I cease doing business in this state if I am doing business in other states? |
| 208-620-480 | What are my reporting responsibilities if my company files for bankruptcy? |
| 208-620-490 | What are my reporting responsibilities when something of significance happens to my business? |
| 208-620-500 | What are my reporting requirements if I want to close one or more of my branch offices? |
| DISCLOSURE AND OTHER OBLIGATIONS | |
| 208-620-505 | In addition to the Consumer Loan Act, what other laws do I have to comply with? |
| 208-620-510 | What are my disclosure obligations to consumers under the Consumer Loan Act? |
| 208-620-512 | If I pull a credit report on a consumer who has identified a specific property on a purchase and sales agreement or contract, or is refinancing a specific property, is that enough to trigger the required disclosures under RESPA and TILA? |
| POWERS AND RESTRICTIONS | |
| 208-620-515 | What authority do I have as a licensee? |
| RECORDKEEPING | |
| 208-620-520 | How long do I have to maintain my records under the Consumer Loan Act? |
| 208-620-530 | Can I maintain my records electronically? |
| 208-620-540 | Do I need to account separately for payments from borrowers for third party service providers? |
| RESTRICTIONS, PROHIBITIONS AND GROUNDS FOR REVOCATION | |
| 208-620-550 | What business practices are prohibited? |
| 208-620-560 | What restrictions are there for charging fees other than the loan origination fee? |
| 208-620-570 | What are the grounds for suspending or revoking a license? |
| EXAMINATIONS | |
| 208-620-580 | As a licensee, will my business be subject to periodic examinations? |
| 208-620-590 | How much will I be charged for my periodic examinations and when will the payment be due? |
| 208-620-600 | How often will the department visit my business to examine my records? |
| INVESTIGATIONS | |
| 208-620-610 | What authority does the department have to investigate violations of the Consumer Loan Act? |
| 208-620-611 | What federal guidance has the director adopted for use by the department in determining if a violation under RCW 31.04.027 has occurred? |
| ADVERTISING RESTRICTIONS | |
| 208-620-620 | How do I have to identify my business when I advertise? |
| 208-620-630 | What are the advertising restrictions, and what are some examples of those restrictions? |
| 208-620-640 | What are some of the federal laws I must comply with when I advertise any loan subject to the Consumer Loan Act? |
| MISCELLANEOUS | |
| 208-620-650 | Will the director waive fees charged under the Consumer Loan Act? |
| 208-620-020 | License application. [Statutory Authority: RCW 43.320.040 and 31.04.165. 99-22-047, § 208-620-020, filed 10/29/99, effective 11/29/99. Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, § 208-620-020, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-030 | Surety bond. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and[31.04].165 . 96-04-013, § 208-620-030, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-040 | Bond substitute in lieu of surety bond. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105,[31.04].145 , [31.04].155 and [31.04].165. 96-04-013, § 208-620-040, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-050 | Interstate operations. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and [31.04].165. 96-04-013, § 208-620-050, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-060 | Registered agent and agent's office for out-of-state licensees. [Statutory Authority: RCW 43.320.040, 31.04.045,[31.04].105 , [31.04].145, [31.04].155 and [31.04].165. 96-04-013, § 208-620-060, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-070 | Change of registered agent or agent's office for out-of-state licensees. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and [31.04].165. 96-04-013, § 208-620-070, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-080 | Resignation of registered agent. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, § 208-620-080, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-090 | Service on out-of-state licensee. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, § 208-620-090, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-100 | Records. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and[31.04].165 . 96-04-013, recodified as § 208-620-100, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-100, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-110 | The note. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and[31.04].165 . 96-04-013, recodified as § 208-620-110, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-110, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-120 | Contents of disclosure statement to borrower. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105,[31.04].145 , [31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-120, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-120, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-130 | Restrictions as to charges. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-130, filed 1/26/96, effective 2/26/96. Statutory Authority: RCW 31.04.165. 93-16-033, § 50-20-130, filed 7/27/93, effective 8/27/93. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-130, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-140 | Open-end loans -- Increase in interest -- Notice to borrower. [Statutory Authority: RCW 43.320.040, 31.04.045,[31.04].105 , [31.04].145, [31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-140, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-160, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-150 | Open-end loans -- Periodic statements. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105,[31.04].145 , [31.04].155 and [31.04].165. 96-04-013, § 208-620-150, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-160 | Advertising -- Restrictions and requirements. [Statutory Authority: RCW 31.04.165. 02-21-101, § 208-620-160, filed 10/22/02, effective 11/22/02. Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-160, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-140, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-170 | Knowledge of the law and regulations. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105,[31.04].145 , [31.04].155 and [31.04].165. 96-04-013, § 208-620-170, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-180, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-180 | Examinations. [Statutory Authority: RCW 43.320.040 and 31.04.165. 99-22-047, § 208-620-180, filed 10/29/99, effective 11/29/99. Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and[31.04].165 . 96-04-013, § 208-620-180, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-190 | Schedule of fees. [Statutory Authority: RCW 18.44.410, 19.146.223, 19.146.225, 19.146.265, 31.04.165, 31.45.200. 01-12-029, § 208-620-190, filed 5/29/01, effective 7/1/01. Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145, [31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-190, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-190, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-191 | Fee increase. [Statutory Authority: RCW 18.44.410, 19.146.223, 19.146.225, 19.146.265, 31.04.165, 31.45.200. 01-12-029, § 208-620-191, filed 5/29/01, effective 7/1/01.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-192 | Waiver of fees. [Statutory Authority: RCW 18.44.410, 19.146.223, 19.146.225, 19.146.265, 31.04.165, 31.45.200. 01-12-029, § 208-620-192, filed 5/29/01, effective 7/1/01.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-200 | Change of place of business. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, § 208-620-200, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-210 | Other business in same office. [Statutory Authority: RCW 43.320.040, 31.04.045, [31.04].105, [31.04].145,[31.04].155 and [31.04].165. 96-04-013, recodified as § 208-620-210, filed 1/26/96, effective 2/26/96. Statutory Authority: 1991 c 208 § 17. 91-22-035, § 50-20-150, filed 10/30/91, effective 1/1/92.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |
| 208-620-220 | Annual report and annual fee -- Due date -- Late penalties. [Statutory Authority: RCW 43.320.040, 31.04.045,[31.04].105 , [31.04].145, [31.04].155 and [31.04].165. 96-04-013, § 208-620-220, filed 1/26/96, effective 2/26/96.] Repealed by 06-04-053, filed 1/27/06, effective 2/27/06. Statutory Authority: RCW 31.04.165, 31.04.015, 31.04.045, 31.04.075, 31.04.085, 31.04.093, 31.04.102, 31.04.115, 31.04.145, 31.04.155, and 31.04.175. |