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19.144.030 | Interagency guidance on nontraditional mortgage product risks and the statement on subprime mortgage lending. | (1) The department shall apply the interagency guidance on nontraditional mortgage product risks and the statement on subprime mortgage lending to financial institutions. (2)(a) Financial institutions subject to this chapter shall adopt and adhere to internal policies and procedures that are reasonably intended to achi... |
19.144.040 | Prepayment penalty or fee—Limitation. | A financial institution may not make or facilitate the origination of a residential mortgage loan that includes a prepayment penalty or fee that extends beyond sixty days prior to the initial reset period of an adjustable rate mortgage.
[ 2008 c 108 s 5 .] |
19.144.050 | Negative amortization—Limitation. | A financial institution may not make or facilitate a residential mortgage loan that includes any provisions that impose negative amortization and which are subject to the interagency guidance on nontraditional mortgage product risks and the statement on subprime mortgage lending.
[ 2008 c 108 s 6 .] |
19.144.060 | Risk grade determination. | A person licensed or subject to licensing, or otherwise subject to regulation pursuant to chapter 19.146 RCW, or a consumer loan company licensed or subject to licensing under chapter 31.04 RCW may not steer, counsel, or direct any borrower to accept a residential mortgage loan product with a risk grade less favorable ... |
19.144.070 | Rule-making authority. | The department may adopt rules necessary to implement this chapter, including but not limited to the authority to identify which sections of chapter 108, Laws of 2008 apply to open-end credit plans.
[ 2008 c 108 s 8 .] |
19.144.080 | Unlawful actions—Fraud, misrepresentation, deceptive practices. | (1) It is unlawful for any person in connection with the mortgage lending process to directly or indirectly: (a)(i) Employ any scheme, device, or artifice to defraud or materially mislead any borrower during the lending process; (ii) defraud or materially mislead any lender, defraud or materially mislead any person, or... |
19.144.090 | Criminal penalties—Dates of limitation—Venue—Civil penalties and damages—Correction of public record. | (1) Any person who knowingly violates RCW 19.144.080 or who knowingly aids or abets in the violation of RCW 19.144.080 is guilty of a class B felony punishable under RCW 9A.20.021 (1)(b). Mortgage fraud is a serious level III offense per chapter 9.94A RCW. (2) No information may be returned more than (a) five years aft... |
19.144.100 | Unlawful actions—Proceeds and interest in real property—Criminal penalties. | (1)(a) It is unlawful for a person to use or invest proceeds, or any part of proceeds, knowing that the proceeds, or any part of the proceeds, were derived, directly or indirectly, from a pattern of mortgage fraud activity, in the acquisition of any title to, or any right, interest, or equity in, real property or in th... |
19.144.110 | Civil and administrative penalties. | Any penalty imposed for violation of this chapter is in addition to, and not in lieu of, any civil or administrative penalty or sanction otherwise authorized by law.
[ 2008 c 108 s 12 .] |
19.144.120 | Director—Powers—Enforcement of chapter. | The director or the director's designee may, at his or her discretion, take such actions as provided for in Titles *30, 32, and 33 RCW, and chapters 31.12 , 31.04, and 19.146 RCW, to enforce, investigate, or examine persons covered by this chapter.
[ 2008 c 108 s 13 .]
*Reviser's note: Title 30 RCW was recodified and/o... |
19.146.005 | Findings and declaration. | The legislature finds and declares that the brokering of residential real estate loans substantially affects the public interest, requiring that all actions in mortgage brokering be actuated by good faith, and that mortgage brokers, designated brokers, loan originators, and other persons subject to this chapter abstain... |
19.146.010 | Definitions. | Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter. (1) "Affiliate" means any person who directly or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with another person. (2) "Borrower" means any person who... |
19.146.020 | Exemptions from chapter. | (1) The following are exempt from all provisions of this chapter: (a) Any person doing business under the laws of the state of Washington or the United States, and any federally insured depository institution doing business under the laws of any other state, relating to commercial banks, bank holding companies, savings... |
19.146.0201 | Loan originator, mortgage broker—Prohibitions—Requirements. | It is a violation of this chapter for loan originators, mortgage brokers, officers, directors, employees, independent contractors, or any other person subject to this chapter to: (1) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead borrowers or lenders or to defraud any person; (2) Di... |
19.146.030 | Written disclosure of fees and costs—Rules—Contents—Lock-in agreement terms—Excess fees limited. | (1) Within three business days following receipt of a loan application from a borrower, a mortgage broker or loan originator must provide to the borrower a full written disclosure containing an itemization and explanation of all fees and costs that the borrower is required to pay in connection with obtaining a resident... |
19.146.040 | Written contract required—Contract entered by loan originator binding on mortgage broker—Written loan broker agreement required. | (1) Every contract between a mortgage broker, or a loan originator, and a borrower must be in writing and contain the entire agreement of the parties. (2) Any contract under this section entered by a loan originator is binding on the mortgage broker. (3) A mortgage broker must have a written loan broker agreement with ... |
19.146.050 | Moneys for third-party provider services deemed in trust—Deposit of moneys in trust account—Use of trust account—Rules—Tax treatment. | (1) All moneys received by a mortgage broker from a borrower for payment of third-party provider services shall be deemed as held in trust immediately upon receipt by the mortgage broker. A mortgage broker shall deposit, prior to the end of the third business day following receipt of such trust funds, all such trust fu... |
19.146.060 | Accounting requirements. | (1) A mortgage broker shall use generally accepted accounting principles. (2) Except as otherwise provided in subsection (3) of this section, a mortgage broker shall maintain accurate and current books and records which shall be readily available at a location available to the director until at least three years have e... |
19.146.070 | Fee, commission, or compensation—When permitted. | (1) Except as otherwise permitted by this section, a mortgage broker must not receive a fee, commission, or compensation of any kind in connection with the preparation, negotiation, and brokering of a residential mortgage loan unless a borrower actually obtains a loan from a lender on the terms and conditions agreed up... |
19.146.080 | Borrowers unable to obtain loans—Mortgage broker to provide copies of certain documents—Conditions—Exceptions. | Except as otherwise required by the United States Code or the Code of Federal Regulations, now or as amended, if a borrower is unable to obtain a loan for any reason and the borrower has paid for an appraisal, title report, or credit report in full, the mortgage broker shall give a copy of the appraisal, title report, ... |
19.146.085 | Duties—Generally. | The activities of a mortgage broker affect the public interest, and require that all actions of mortgage brokers, designated brokers, loan originators, and other persons subject to this chapter be actuated by good faith, abstain from deception, and practice honesty and equity in all matters related to their profession.... |
19.146.095 | Fiduciary duties. | (1) A mortgage broker has a fiduciary relationship with the borrower. For the purposes of this section, the fiduciary duty means that the mortgage broker has the following duties: (a) A mortgage broker must act in the borrower's best interest and in the utmost good faith toward the borrower, and shall disclose any and ... |
19.146.100 | Violations of chapter—Application of consumer protection act. | The legislature finds that the practices governed by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. Any violation of this chapter is not reasonable in relation to the development and preservation of business and is an unfair or ... |
19.146.103 | Financial interest in a mortgage broker—Prohibited practices. | (1) A mortgage broker, loan originator, officer or employee of any mortgage broker, or person who has a financial interest in a mortgage broker shall not, directly or indirectly, give any fee, kickback, payment, or other thing of value to any person as an inducement, reward for placing business, referring business, or ... |
19.146.110 | Criminal penalty. | Any person who violates any provision of this chapter other than RCW 19.146.050 or any rule or order of the director is guilty of a misdemeanor punishable under chapter 9A.20 RCW.
[ 2003 c 53 s 159 ; 1993 c 468 s 20 ; 1987 c 391 s 13 .]
Intent — Effective date — 2003 c 53: See notes following RCW 2.48.180 .
Adoption of... |
19.146.200 | Mortgage broker or loan originator—License required—Suit or action for collection of compensation—Designated broker required. | (1) A person, unless specifically exempted from this chapter under RCW 19.146.020 , may not engage in the business of a mortgage broker or loan originator without first obtaining and maintaining a license under this chapter. (2) A person may not bring a suit or action for the collection of compensation in connection wi... |
19.146.205 | License—Application—Applicant to furnish information establishing identity—Background check—Fee—Bond or alternative. | (1) Application for a mortgage broker license under this chapter must be made to the nationwide mortgage licensing system and registry and in the form prescribed by the director. The application must contain at least the following information: (a) The name, address, date of birth, and social security number of the appl... |
19.146.210 | License—Requirements for issuance—Denial—Validity—Surrender—Interim license—Rules. | (1) The director shall issue and deliver a mortgage broker license to an applicant if, after investigation, the director makes the following findings: (a) The applicant has paid the required license fees; (b) The applicant has complied with RCW 19.146.205 ; (c) Neither the applicant, any of its principals, or the desig... |
19.146.215 | Continuing education—Rules. | The designated broker of every licensee shall complete an annual continuing education requirement. The director shall establish standards in rule for approval of professional organizations offering continuing education to designated brokers. The director may approve continuing education taken by designated brokers in o... |
19.146.218 | Informal settlement of complaints or enforcement actions—Director's discretion. | Except to the extent prohibited by another statute, the director may engage in informal settlement of complaints or enforcement actions including, but not limited to, payment to the department for purposes of financial literacy and education programs authorized under RCW 43.320.150 . If any person subject to this chapt... |
19.146.220 | Director—Powers and duties—Violations as separate violations—Rules. | (1) The director may enforce all laws and rules relating to the licensing of mortgage brokers and loan originators, grant or deny licenses to mortgage brokers and loan originators, and hold hearings. (2) The director may impose fines and order restitution and refunds against licensees, employees, independent contractor... |
19.146.221 | Action by director—Hearing—Sanction. | (1) The director may, at his or her discretion, take any action as provided for in this chapter to enforce this chapter. If the person subject to such action does not appear in person or by counsel at the time and place designated for any administrative hearing that may be held on the action then the person shall be de... |
19.146.223 | Director—Administration and interpretation. | The director shall have the power and broad administrative discretion to administer and interpret the provisions of this chapter to fulfill the intent of the legislature as expressed in RCW 19.146.005 .
[ 1994 c 33 s 2 .] |
19.146.225 | Director—Rule-making powers. | In accordance with the administrative procedure act, chapter 34.05 RCW, the director may issue rules under this chapter only for the purpose of governing the activities of licensed mortgage brokers, loan originators, and other persons subject to this chapter.
[ 2010 1st sp.s. c 7 s 70 ; 2006 c 19 s 14 ; 1994 c 33 s 15 ... |
19.146.226 | Director—Licensing rules and interim procedures. | For the purposes of implementing an orderly and efficient licensing process, the director may establish licensing rules and interim procedures for licensing and acceptance of applications. For previously registered or licensed individuals, the director may establish expedited review and licensing procedures.
[ 2009 c 5... |
19.146.227 | Cease and desist order—Action to enjoin and enforce. | Whenever the director determines that the public is likely to be substantially injured by delay in issuing a cease and desist order, the director may immediately issue a temporary cease and desist order. The order may direct the licensee to discontinue any violation of this chapter and take such affirmative action as i... |
19.146.228 | Fees—Exception. | The director must establish fees sufficient to cover, but not exceed, the costs of administering this chapter. These fees may include: (1) An annual assessment paid by each licensee on or before a date specified by rule; (2) An investigation fee to cover the costs of any investigation of the books and records of a lice... |
19.146.230 | Administrative procedure act application. | The proceedings for denying license applications, issuing cease and desist orders, suspending or revoking licenses, and imposing civil penalties or other remedies issued pursuant to this chapter and any appeal therefrom or review thereof shall be governed by the provisions of the administrative procedure act, chapter 3... |
19.146.233 | Subpoena authority—Application—Contents—Notice—Fees. | (1) The director or authorized assistants may apply for and obtain a superior court order approving and authorizing a subpoena in advance of its issuance. The application may be made in the county where the subpoenaed person resides or is found, or the county where the subpoenaed documents, records, or evidence are loc... |
19.146.235 | Director's authority to conduct investigations and examinations—Rules—Penalty. | The director or a designee has authority to conduct investigations and examinations as provided in this section. (1) For the purposes of investigating violations or complaints arising under this chapter, the director or his or her designee may make an investigation of the operations of any mortgage broker or loan origi... |
19.146.237 | Director—Powers under chapter19.144RCW. | The director or the director's designee may take such action as provided for in this chapter to enforce, investigate, or examine persons covered by chapter 19.144 RCW.
[ 2008 c 108 s 14 .]
Findings — 2008 c 108: See RCW 19.144.005 . |
19.146.240 | Violations—Claims against bond or alternative. | (1) The director or any person injured by a violation of this chapter may bring an action against the surety bond or approved alternative of the licensed mortgage broker who committed the violation or who employed or engaged the loan originator who committed the violation. (2)(a) The director or any person who is damag... |
19.146.245 | Violations—Liability. | A licensed mortgage broker is liable for any conduct violating this chapter by the designated broker, a loan originator, or other licensed mortgage broker while employed or engaged by the licensed mortgage broker.
[ 1997 c 106 s 16 ; 1994 c 33 s 22 ; 1993 c 468 s 15 .]
Severability — 1997 c 106: See note following RCW ... |
19.146.250 | Authority restricted to person named in license—Exceptions. | No license issued under the provisions of this chapter shall authorize any person other than the person to whom it is issued to do any act by virtue thereof nor to operate in any other manner than under his or her own name except: (1) A licensed mortgage broker may operate or advertise under a name other than the one u... |
19.146.260 | Registered agent for brokers without physical office in state—Venue. | Every licensed mortgage broker that does not maintain a physical office within the state must maintain a registered agent within the state to receive service of any lawful process in any judicial or administrative noncriminal suit, action, or proceeding against the licensed mortgage broker which arises under this chapt... |
19.146.265 | Branch offices—Fee—Licenses—Rules. | A licensee may not maintain more than one place of business under the same license unless: (1) The director approves the licensed mortgage broker's application, made in a form and manner established in rule, to establish one or more branch offices under the same or different name as the main office. The applicant must ... |
19.146.300 | Loan originator license—Application—Applicant to furnish information establishing identification—Background check—Fees—Rules. | (1) Application for a loan originator license under this chapter must be made to the nationwide mortgage licensing system and registry and in the form prescribed by the director. The application must contain at least the following information: (a) The name, address, date of birth, and social security number of the loan... |
19.146.310 | Loan originator license—Requirements for issuance—Denial—Validity—Expiration—Surrender—Interim license. | (1) The director shall issue and deliver a loan originator license if, after investigation, the director makes the following findings: (a) The loan originator applicant has paid the required license fees; (b) The loan originator applicant has met the requirements of RCW 19.146.300 ; (c) The loan originator applicant ha... |
19.146.320 | Loan originator license—Not assignable. | A loan originator license, or the authority granted under such a license, is not assignable and cannot be transferred, sold, or franchised by contract or any other means.
[ 2006 c 19 s 21 .] |
19.146.325 | Loan originator license—Test. | (1) To obtain a loan originator license, an individual must pass a test developed by the nationwide mortgage licensing system and registry and administered by a test provider approved by the nationwide mortgage licensing system and registry based upon reasonable standards. (2) An individual is not considered to have pa... |
19.146.340 | Loan originator applicants. | (1) Each loan originator applicant shall complete at least twenty hours of prelicensing education approved by the nationwide mortgage licensing system and registry. The prelicensing education shall include at least three hours of federal law and regulations; three hours of ethics, which shall include instruction on fra... |
19.146.350 | Loan originators—Continuing education—Requirements. | (1) A licensed mortgage loan originator must complete a minimum of eight hours of continuing education, eight of which is approved by the nationwide mortgage licensing system and registry which must include at least three hours of federal law and regulations; two hours of ethics, which must include instruction on frau... |
19.146.353 | Residential mortgage loan modification services—Written fee agreement—Limitation on fees—Rules. | (1) In addition to any other requirements under federal or state law, an advance fee may not be collected for residential mortgage loan modification services unless a written disclosure summary of all material terms, in the format adopted by the department under subsection (2) of this section, has been provided to the ... |
19.146.355 | Third-party residential mortgage loan modification services providers—Duties—Restrictions. | (1) In addition to complying with all requirements for loan originators under this chapter, third-party residential mortgage loan modification services providers must: (a) Provide a written fee disclosure summary as described in RCW 19.146.353 before accepting any advance fee; (b) Not receive an advance fee greater tha... |
19.146.357 | Mortgage loan originator—License required—Nationwide mortgage licensing system and registry. | An individual defined as a mortgage loan originator may not engage in the business of a mortgage loan originator without first obtaining and maintaining annually a license under this chapter. Each licensed mortgage loan originator must register with and maintain a valid unique identifier issued by the nationwide mortga... |
19.146.360 | Director's duty—Process to challenge information—Nationwide mortgage licensing system and registry. | The director shall establish a process whereby mortgage loan originators may challenge information entered into the nationwide mortgage licensing system and registry by the director.
[ 2009 c 528 s 12 .]
Effective date — License requirement — Implementation — 2009 c 528: See notes following RCW 19.146.010 . |
19.146.370 | Disclosure of information—Privilege—Confidentiality—Exceptions. | (1) Except as otherwise provided in section 1512 of the S.A.F.E. act, the requirements under any federal law or chapter 42.56 RCW regarding the privacy or confidentiality of any information or material provided to the nationwide mortgage licensing system and registry, and any privilege arising under federal or state la... |
19.146.380 | Director's authority to contract—Records and fees. | In order to fulfill the purposes of chapter 528, Laws of 2009, the director is authorized to establish relationships or contracts with the nationwide mortgage licensing system and registry or other entities designated by the nationwide mortgage licensing system and registry to collect and maintain records and process t... |
19.146.390 | Mortgage brokers—Call reports—Licensing system and registry. | Each mortgage broker licensee must submit call reports through the nationwide mortgage licensing system and registry in a form and containing the information as prescribed by the director or as deemed necessary by the nationwide mortgage licensing system and registry.
[ 2015 c 229 s 18 ; 2009 c 528 s 17 .]
Effective da... |
19.146.400 | Director's authority—Violation and enforcement reporting. | The director is authorized to regularly report violations of chapter 528, Laws of 2009, as well as enforcement actions and other relevant information, to the nationwide mortgage licensing system and registry.
[ 2009 c 528 s 18 .]
Effective date — License requirement — Implementation — 2009 c 528: See notes following RC... |
19.146.900 | Short title. | This act shall be known and cited as the "mortgage broker practices act."
[ 1987 c 391 s 2 .] |
19.146.903 | Effective dates—1994 c 33. | This act is necessary for the immediate preservation of the public peace, health, or safety, or support of the state government and its existing public institutions, and shall take effect immediately [March 21, 1994], except section 5 of this act which shall take effect June 1, 1994.
[ 1994 c 33 s 29 .] |
19.146.904 | Implementation of act—2006 c 19. | The director of the department of financial institutions or the director's designee may take such steps as are necessary to ensure that chapter 19, Laws of 2006 is implemented on January 1, 2007.
[ 2006 c 19 s 23 .] |
19.146.905 | Effective date—2006 c 19. | This act takes effect January 1, 2007.
[ 2006 c 19 s 24 .] |
19.148.010 | Finding—Purpose. | The ability of individuals to obtain information relating to their residential mortgage loans is vital to the financial needs of mortgagors in Washington. The public interest is adversely affected when a residential mortgage loan's servicing is sold or transferred with insufficient notification given to the mortgagor. ... |
19.148.020 | Definitions. | Unless the context requires otherwise, the definitions in this section apply throughout this chapter. (1) "Lender" shall mean any person in the business of making a loan. (2) "Loan" shall mean any loan used to finance the acquisition of a one-to-four family owner-occupied residence located in this state. (3) "Purchasin... |
19.148.030 | Disclosure requirements—Action for damages. | (1) If the servicing for the loan is subject to sale, transfer, or assignment, a lender shall so disclose in writing at the time of or prior to loan closing and shall also disclose in the same writing that when such servicing is sold, transferred, or assigned, the purchasing servicing agent is required to provide notif... |
19.148.900 | Effective date—1989 c 98. | This act shall take effect on January 1, 1990.
[ 1989 c 98 s 5 .] |
19.149.010 | Definitions. | Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter: (1) "Lender" means any person doing business under the laws of this state or the United States relating to banks, savings banks, trust companies, savings and loan associations, credit unions, consumer loan comp... |
19.149.020 | Purchase money residential mortgage loans—Provision to borrower of documents used by lender to evaluate value—Written waiver. | A lender shall provide to the borrower, prior to the closing of a residential mortgage loan, true and complete copies of all appraisals or other documents relied upon by the lender in evaluating the value of the dwelling to be financed. A borrower may waive in writing the lender's duty to provide the appraisals or othe... |
19.150.010 | Definitions. | The definitions in this section apply throughout this chapter unless the context clearly requires otherwise. (1) "Commercially reasonable manner" means a public sale of the personal property in the self-storage space. The personal property may be sold in the owner's discretion on or off the self-service storage facilit... |
19.150.020 | Lien on personal property. | The owner of a self-service storage facility and his or her heirs, executors, administrators, successors, and assigns have a lien upon all personal property located at a self-service storage facility for rent, labor, late fees, and costs of the sale, present or future, incurred pursuant to the rental agreement, and for... |
19.150.030 | Unpaid rent—Denial of access to storage space. | When any part of the rent or other charges due from an occupant remains unpaid for six consecutive days, and the rental agreement so provides, an owner may deny the occupant access to the storage space at a self-service storage facility.
[ 1988 c 240 s 4 .] |
19.150.040 | Unpaid rent—Termination of occupant's rights—Notice. | (1) When any part of the rent or other charges due from an occupant remains unpaid for fourteen consecutive days, an owner may terminate the right of the occupant to the use of the storage space at a self-service storage facility by sending a preliminary lien notice to the occupant's last known address, and to the alte... |
19.150.050 | Form of notice. | A notice in substantially the following form shall satisfy the requirements of RCW 19.150.040 : "PRELIMINARY LIEN NOTICE to (occupant) (address) (state) You owe and have not paid rent and/or other charges for the use of storage (space number) at (name and address of self-service storage facility) Charges that have been... |
19.150.060 | Attachment of lien—Final notice of lien sale or notice of disposal. | (1) If a notice has been sent, as required by RCW 19.150.040 , and the total sum due has not been paid as of the date specified in the preliminary lien notice, the lien proposed by this notice attaches as of that date and the owner may deny an occupant access to the space, enter the space, inventory the goods therein, ... |
19.150.070 | Sale of property. | The owner, subject to RCW 19.150.090 and 19.150.100 , may sell the property, other than personal papers and personal photographs, upon complying with the requirements set forth in RCW 19.150.080 .
[ 2007 c 113 s 4 ; 1988 c 240 s 8 .] |
19.150.080 | Manner of sale—Who may not acquire property—Interest on excess proceeds. | (1) After the expiration of the time given in the final notice of lien sale pursuant to RCW 19.150.060 , the property, other than personal papers and personal photographs, may be sold or disposed of in a reasonable manner as provided in this section. (2)(a) If the property has a value of three hundred dollars or more, ... |
19.150.090 | Claim by persons with a security interest. | Any person who has a perfected security interest under *Article 62A.9 RCW of the uniform commercial code may claim any personal property subject to the security interest and subject to a lien pursuant to this chapter by paying the total amount due, as specified in the lien notices, for the storage of the property. Upon... |
19.150.100 | Payment prior to sale by persons claiming a right to the property. | Prior to any sale pursuant to RCW 19.150.080 , any person claiming a right to the personal property may pay the amount necessary to satisfy the lien and one month's rent in advance. In that event, the personal property may not be sold, but must be retained by the owner pending a court order directing the disposition of... |
19.150.110 | Good faith purchasers. | A purchaser in good faith of goods disposed of pursuant to RCW 19.150.080 (2) takes the goods free of any rights of persons against whom the lien was claimed, despite noncompliance by the owner of the storage facility with this chapter.
[ 1996 c 220 s 3 ; 1988 c 240 s 12 .]
Application — 1996 c 220: See note following ... |
19.150.120 | Contract for storage space—Alternative address for notice. | (1) Each contract for the rental or lease of individual storage space in a self-service storage facility shall be in writing and shall contain, in addition to the provisions otherwise required or permitted by law to be included, a statement requiring the occupant to disclose any lienholders or secured parties who have ... |
19.150.130 | Owner not obligated to provide insurance. | Any insurance protecting the personal property stored within the storage space against fire, theft, or damage is the responsibility of the occupant. The owner is under no obligation to provide insurance.
[ 1988 c 240 s 14 .] |
19.150.140 | Other rights not impaired. | Nothing in this chapter may be construed to impair or affect the right of the parties to create additional rights, duties, and obligations which do not conflict with the provisions of this chapter. The rights provided by this chapter shall be in addition to all other rights provided by law to a creditor against his or ... |
19.150.150 | Late fees. | Any late fee charged by the owner shall be provided for in the rental agreement. No late fee shall be collected unless it is written in the rental agreement or as an addendum to such agreement. An owner may impose a reasonable late fee for each month an occupant does not pay rent when due. A late fee of twenty dollars ... |
19.150.160 | Occupant in default—Vehicle, watercraft, trailer, recreational vehicle, or camper removal. | (1) If an occupant is in default for sixty or more days and the personal property stored in the leased space is a vehicle, watercraft, trailer, recreational vehicle, or camper, the owner may have the personal property towed or removed from the self–service storage facility in lieu of a sale. Prior to having the vehicle... |
19.150.170 | Limit on value of personal property—Liability. | If a rental agreement contains a condition on [the] occupant's use of the space that specifies a limit on the value of personal property that may be stored, that limit is the maximum value of the stored personal property in the occupant's space for the purposes of the [self-service] storage facility owner's liability o... |
19.150.900 | Short title. | This chapter shall be known as the "Washington self-service storage facility act."
[ 1988 c 240 s 1 .] |
19.150.901 | Application of chapter. | This chapter shall only apply to rental agreements entered into, automatically extended, or automatically renewed after June 9, 1988. Rental agreements entered into before June 9, 1988, which provide for monthly rental payments but providing no specific termination date shall be subject to this chapter on the first mon... |
19.150.902 | Existing rental agreements not affected. | All rental agreements entered into before June 9, 1988, and not automatically extended or automatically renewed after that date, or otherwise made subject to this chapter pursuant to RCW 19.150.901 , and the rights, duties, and interests flowing from them, shall remain valid, and may be enforced or terminated in accord... |
19.150.903 | Chapter not applicable to owner subject to Article 62A.7 RCW. | If an owner issues any warehouse receipt, bill of lading, or other document of title for the personal property stored, the owner and the occupant are subject to Article 62A.7 RCW (commencing with RCW 62A.7-101 ) of the uniform commercial code and this chapter does not apply.
[ 1988 c 240 s 18 .] |
19.154.010 | Findings. | The legislature finds and declares that the practice by nonlawyers and other unauthorized persons of providing legal advice and legal services to others in immigration matters substantially affects the public interest. The practice of nonlawyers and other unauthorized persons providing immigration-related legal advice ... |
19.154.020 | Definitions. | Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter. (1) "Compensation" means money, property, or anything else of value. (2) "Immigration matter" means any proceeding, filing, or action affecting the nonimmigrant, immigrant, or citizenship status of any person a... |
19.154.060 | Prohibited practices—Assistance with immigration matters. | (1) Persons, other than those licensed to practice law in this state or otherwise permitted to practice law or represent others under federal law in an immigration matter, are prohibited from engaging in the practice of law in an immigration matter for compensation. (2) Persons, other than those licensed to practice la... |
19.154.065 | Immigration-related services not prohibited. | Persons who are not licensed to practice law in this state or who are not otherwise permitted to represent others under federal law in an immigration matter may engage in the following services for compensation: (1) Translate words on a government form that the person seeking services presents to the person providing t... |
19.154.090 | Unfair and deceptive act—Unfair method of competition—Civil remedy. | (1) The legislature finds and declares that any violation of this chapter substantially affects the public interest and is an unfair and deceptive act or practice and unfair method of competition in the conduct of trade or commerce as set forth in RCW 19.86.020 . (2) In addition to all remedies available in chapter 19.... |
19.154.100 | Penalty. | A violation of this chapter shall be punished as a gross misdemeanor according to chapter 9A.20 RCW.
[ 1989 c 117 s 10 .] |
19.154.800 | Application. | Nothing in this chapter shall apply to or regulate any business to the extent such regulation is prohibited or preempted by federal law.
[ 2011 c 244 s 7 .]
Effective date — 2011 c 244: See note following RCW 19.154.010 . |
19.154.900 | Short title. | This chapter shall be known and cited as the "immigration services fraud prevention act."
[ 2011 c 244 s 8 ; 1989 c 117 s 11 .]
Effective date — 2011 c 244: See note following RCW 19.154.010 . |
19.158.010 | Findings. | The use of telephones for commercial solicitation is rapidly increasing. This form of communication offers unique benefits, but entails special risks and poses potential for abuse. The legislature finds that the widespread practice of fraudulent commercial telephone solicitation is a matter vitally affecting the public... |
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