reglab/housing_qa huggingface dataset:
WA Rev Code § 31.45.100 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.100 - Examination or investigation—Director's authority—Costs.

RCW 31.45.100 Examination or investigation—Director's authority—Costs.The director or the director's designee may at any time examine and investigate the business and examine the books, accounts, records, and files, or other information, wherever located, of any licensee or person who the director has reason to believe is engaging in the business governed by this chapter. For these purposes, the director or the director's designee may require the attendance of and examine under oath all persons whose testimony may be required about the business or the subject matter of the investigation. The director or the director's designee may require the production of original books, accounts, records, files, or other information, or may make copies of such original books, accounts, records, files, or other information. The director or the director's designee may issue a subpoena or subpoena duces tecum requiring attendance and testimony, or the production of the books, accounts, records, files, or other information. The director shall collect from the licensee the actual cost of the examination or investigation.[ 2003 c 86 § 16; 1994 c 92 § 283; 1991 c 355 § 10.]
WA Rev Code § 31.45.103 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.103 - Subpoena authority—Application—Contents—Notice—Fees.

RCW 31.45.103 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 located, or in Thurston county. The application must:(a) State that an order is sought under this section;(b) Adequately specify the documents, records, evidence, or testimony; and(c) Include a declaration made under oath that an investigation is being conducted for a lawfully authorized purpose related to an investigation within the department's authority and that the subpoenaed documents, records, evidence, or testimony are reasonably related to an investigation within the department's authority.(2) When an application under this section is made to the satisfaction of the court, the court must issue an order approving the subpoena. An order under this subsection constitutes authority of law for the agency to subpoena the documents, records, evidence, or testimony.(3) The director or authorized assistants may seek approval and a court may issue an order under this section without prior notice to any person, including the person to whom the subpoena is directed and the person who is the subject of an investigation. An application for court approval is subject to the fee and process set forth in RCW 36.18.012(3).[ 2011 c 93 § 10.]NOTES:Finding—Intent—2011 c 93: See note following RCW 18.44.425.
WA Rev Code § 31.45.105 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.105 - Violations of chapter—Enforceability of transaction.

RCW 31.45.105 Violations of chapter—Enforceability of transaction.(1) It is a violation of this chapter for any person subject to this chapter to:(a) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead any borrower, to defraud or mislead any lender, or to defraud or mislead any person;(b) Directly or indirectly engage in any unfair or deceptive practice toward any person;(c) Directly or indirectly obtain property by fraud or misrepresentation;(d) Make a small loan to any person physically located in Washington through use of the internet, facsimile, telephone, kiosk, or other means without first obtaining a small loan endorsement; and(e) Sell in a retail installment transaction under chapter 63.14 RCW open loop prepaid access (prepaid access as defined in 31 C.F.R. Part 1010.100(ww) and not closed loop prepaid access as defined in 31 C.F.R. Part 1010.100(kkk)).(2) It is a violation of this chapter for any person subject to this chapter to:(a) Advertise, print, display, publish, distribute, or broadcast or cause or permit to be advertised, printed, displayed, published, distributed, or broadcast [broadcasted] any statement or representation that is false, misleading, or deceptive, or that omits material information;(b) Fail to pay the annual assessment by the date and time as specified in RCW 31.45.050;(c) Fail to pay any other fee, assessment, or moneys due the department.(3) In addition to any other penalties, any transaction in violation of subsection (1) of this section is uncollectible and unenforceable.[ 2012 c 17 § 10; 2007 c 81 § 1.]
WA Rev Code § 31.45.120 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.120 - Violations or unsound practices—Temporary cease and desist order—Director's authority.

RCW 31.45.120 Violations or unsound practices—Temporary cease and desist order—Director's authority.Whenever the director determines that the acts specified in RCW 31.45.110 or their continuation is likely to cause insolvency or substantial injury to the public, the director may also issue a temporary cease and desist order requiring the licensee to cease and desist from the violation or practice. The order becomes effective upon service upon the licensee and remains effective unless set aside, limited, or suspended by a court under RCW 31.45.130 pending the completion of the administrative proceedings under the notice and until such time as the director dismisses the charges specified in the notice or until the effective date of the cease and desist order issued against the licensee under RCW 31.45.110.[ 2003 c 86 § 18; 1994 c 92 § 285; 1991 c 355 § 12.]
WA Rev Code § 31.45.130 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.130 - Temporary cease and desist order—Licensee's application for injunction.

RCW 31.45.130 Temporary cease and desist order—Licensee's application for injunction.Within ten days after a licensee has been served with a temporary cease and desist order, the licensee may apply to the superior court in the county of its principal place of business for an injunction setting aside, limiting, or suspending the order pending the completion of the administrative proceedings pursuant to the notice served under RCW 31.45.120. The superior court has jurisdiction to issue the injunction.[ 1991 c 355 § 13.]
WA Rev Code § 31.45.140 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.140 - Violation of temporary cease and desist order—Director's application for injunction.

RCW 31.45.140 Violation of temporary cease and desist order—Director's application for injunction.In the case of a violation or threatened violation of a temporary cease and desist order issued under RCW 31.45.120, the director may apply to the superior court of the county of the principal place of business of the licensee for an injunction.[ 1994 c 92 § 286; 1991 c 355 § 14.]
WA Rev Code § 31.45.150 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.150 - Licensee's failure to perform obligations—Director's duty.

RCW 31.45.150 Licensee's failure to perform obligations—Director's duty.Whenever as a result of an examination or report it appears to the director that:(1) The capital of any licensee is impaired;(2) Any licensee is conducting its business in such an unsafe or unsound manner as to render its further operations hazardous to the public;(3) Any licensee has suspended payment of its trust obligations;(4) Any licensee has refused to submit its books, papers, and affairs to the inspection of the director or the director's examiner;(5) Any officer of any licensee refuses to be examined under oath regarding the business of the licensee;(6) Any licensee neglects or refuses to comply with any order of the director made pursuant to this chapter unless the enforcement of such order is restrained in a proceeding brought by such licensee;the director may immediately take possession of the property and business of the licensee and retain possession until the licensee resumes business or its affairs are finally liquidated as provided in RCW 31.45.160. The licensee may resume business upon such terms as the director may prescribe.[ 1994 c 92 § 287; 1991 c 355 § 15.]
WA Rev Code § 31.45.160 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.160 - Director's possession of property and business—Appointment of receiver.

RCW 31.45.160 Director's possession of property and business—Appointment of receiver.Whenever the director has taken possession of the property and business of a licensee, the director may petition the superior court for the appointment of a receiver to liquidate the affairs of the licensee. During the time that the director retains possession of the property and business of a licensee, the director has the same powers and authority with reference to the licensee as is vested in the director under chapter 31.04 RCW, and the licensee has the same rights to hearings and judicial review as are granted under chapter 31.04 RCW.[ 1997 c 101 § 4; 1994 c 92 § 288; 1991 c 355 § 16.]
WA Rev Code § 31.45.180 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.180 - Violation—Misdemeanor.

RCW 31.45.180 Violation—Misdemeanor.Any person who violates or participates in the violation of any provision of the rules or orders of the director or of this chapter is guilty of a misdemeanor.[ 1994 c 92 § 290; 1991 c 355 § 18.]
WA Rev Code § 31.45.190 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.190 - Violation—Consumer protection act—Remedies.

RCW 31.45.190 Violation—Consumer protection act—Remedies.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 an unfair method of competition in the conduct of trade or commerce as set forth in RCW 19.86.020. Remedies available under chapter 19.86 RCW shall not affect any other remedy the injured party may have.[ 1991 c 355 § 19.]
WA Rev Code § 31.45.200 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.200 - Director—Broad administrative discretion.

RCW 31.45.200 Director—Broad administrative discretion.The director has the power, and broad administrative discretion, to administer and interpret the provisions of this chapter to ensure the protection of the public.[ 1994 c 92 § 291; 1991 c 355 § 20.]
WA Rev Code § 31.45.210 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.210 - Military borrowers—Licensee's duty—Definition.

RCW 31.45.210 Military borrowers—Licensee's duty—Definition.(1) A licensee shall:(a) When collecting any delinquent small loan, not garnish any wages or salary paid for service in the armed forces;(b) Defer for the duration of the posting all collection activity against a military borrower who has been deployed to a combat or combat support posting for the duration of the posting;(c) Not contact the military chain of command of a military borrower in an effort to collect a delinquent small loan;(d) Honor the terms of any repayment agreement between the licensee and any military borrower, including any repayment agreement negotiated through military counselors or third party credit counselors; and(e) Not make a loan from a specific location to a person that the licensee knows is a military borrower when the military borrower's commander has notified the licensee in writing that the specific location is designated off-limits to military personnel under their command.(2) For purposes of this section, "military borrower" means any active duty member of the armed forces of the United States, or any member of the national guard or the reserves of the armed forces of the United States who has been called to active duty.[ 2005 c 256 § 1.]
WA Rev Code § 31.45.900 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.900 - Effective date, implementation—1991 c 355.

RCW 31.45.900 Effective date, implementation—1991 c 355.This act shall take effect January 1, 1992. The director shall take such steps as are necessary to ensure that this act is implemented on its effective date.[ 1994 c 92 § 292; 1991 c 355 § 24.]
WA Rev Code § 31.45.901 (2021)
2021 Revised Code of Washington|Title 31 - Miscellaneous Loan Agencies|Chapter 31.45 - Check Cashers and Sellers.|31.45.901 - Effective date—2009 c 510.

RCW 31.45.901 Effective date—2009 c 510.This act takes effect January 1, 2010.[ 2009 c 510 § 10.]
WA Rev Code § 32.04.002 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.002 - Short title.

RCW 32.04.002 Short title.This title may be known and cited as the Washington savings bank act.[ 2014 c 37 § 501.]NOTES:Legislative declarations—Effective date—2014 c 37: See RCW 30A.04.005 and 30A.04.902.
WA Rev Code § 32.04.010 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.010 - Scope of title.

RCW 32.04.010 Scope of title.This title shall not be construed as amending or repealing any other law of the state authorizing the incorporation of banks or regulating the same, but shall be deemed to be additional legislation for the sole purpose of authorizing the incorporation and operation of mutual savings banks and mutual savings banks converted under chapter 32.32 RCW to stock form, as herein prescribed. Savings banks incorporated on the stock plan, other than converted mutual savings banks, and other stock banks having savings departments as authorized by *RCW 30.20.060, or by any other law of the state heretofore or hereafter enacted, shall not be in any manner affected by the provisions of this title, or any amendment thereto.[ 1981 c 85 § 105; 1955 c 13 § 32.04.010. Prior: 1915 c 175 § 52; RRS § 3381.]NOTES:*Reviser's note: RCW 30.20.060 was recodified as RCW 30A.20.060 pursuant to 2014 c 37 § 4, effective January 5, 2015.
WA Rev Code § 32.04.012 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.012 - Limits on loans and extensions of credit.

RCW 32.04.012 Limits on loans and extensions of credit.Notwithstanding any other provisions of this title, a savings bank is subject to the same limits on loans and extensions of credit, and exceptions thereto, as set forth in *RCW 30.04.111.[ 2013 c 76 § 23.]NOTES:*Reviser's note: RCW 30.04.111 was recodified as RCW 30A.04.111 pursuant to 2014 c 37 § 4, effective January 5, 2015.
WA Rev Code § 32.04.015 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.015 - Duty to comply—Violations—Penalty.

RCW 32.04.015 Duty to comply—Violations—Penalty.(1) Each savings bank and its directors, officers, employees, and agents, shall comply with:(a) This title and chapter 11.100 RCW as applicable to each of them;(b) The rules adopted by the department with respect to savings banks;(c) Any lawful direction or order of the director;(d) Any lawful supervisory agreement with the director; and(e) The applicable statutes, rules, and regulations administered by the board of governors of the federal reserve system, the federal office of thrift supervision, and the federal deposit insurance corporation with respect to savings banks and holding companies.(2) Each holding company, and its directors, officers, employees, and agents, shall comply with:(a) The provisions of this title that are applicable to each of them;(b) The rules of the department that are applicable with respect to holding companies;(c) Any lawful direction or order of the director;(d) Any lawful supervisory agreement with the director; and(e) The applicable statutes, rules, and regulations administered by the board of governors of the federal reserve system or the federal office of thrift supervision, or applicable successor agency, with respect to holding companies, the violation of which would result in an unsafe and unsound practice or material violation of law with respect to the subsidiary savings bank of the holding company.(3) The violation of any supervisory agreement, directive, order, statute, rule, or regulation referenced in this section, in addition to any other penalty provided in this title, shall, at the option of the director, subject the offender to a penalty of up to ten thousand dollars for each offense, payable upon issuance of any order or directive of the director, which may be recovered by the attorney general in a civil action in the name of the department.[ 2010 c 88 § 39.]NOTES:Effective date—2010 c 88: See RCW 32.50.900.
WA Rev Code § 32.04.020 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.020 - Definitions.

RCW 32.04.020 Definitions.Unless the context clearly requires otherwise, the definitions in this section apply throughout this title.(1) "Adequately capitalized," "critically undercapitalized," "significantly undercapitalized," "undercapitalized," and "well-capitalized," respectively, have meanings consistent with the definitions these same terms have under the prompt corrective action provisions of the federal deposit insurance act, 12 U.S.C. Sec. 1831o, or any successor federal statute, and applicable enabling rules of the federal deposit insurance corporation.(2) "Bank holding company" means a bank holding company under authority of the federal bank holding company act.(3) "Branch" means an established office or facility other than the principal office, at which employees of the savings bank take deposits. "Branch" does not mean a machine permitting customers to leave funds in storage or communicate with savings bank employees who are not located at the site of that machine, unless employees of the savings bank at the site of that machine take deposits on a regular basis. An office of an entity other than the savings bank is not established by the savings bank, regardless of any affiliation, accommodation arrangement, or other relationship between the other entity and the savings bank.(4) "Department" means the Washington state department of financial institutions.(5)"Director" means the director of the department.(6) "Financial holding company" means a financial services holding company under the authority of the federal bank holding company act.(7) "Holding company" means a bank holding company, financial holding company, or thrift holding company of a savings bank organized under chapter 32.08 RCW, converted from a mutual savings bank to a stock savings bank under chapter 32.32 RCW, or converted to a state savings bank under chapter 32.34 RCW.(8) "Mutual savings" when used as part of a name under which business of any kind is or may be transacted by any person, firm, or corporation, except such as were organized and in actual operation on June 9, 1915, or as may be thereafter operated under the requirements of this title is hereby prohibited.(9) "Savings bank" or "mutual savings bank" means savings banks organized under chapter 32.08 or 32.35 RCW or converted under chapter 32.32 or 33.44 RCW.(10) "Thrift holding company" means a thrift institution holding company under authority of laws and rules administered by the federal office of thrift supervision, or its successor agency.[ 2010 c 88 § 38; 1999 c 14 § 13; 1997 c 101 § 5; 1996 c 2 § 20; 1994 c 92 § 293; 1985 c 56 § 1; 1981 c 85 § 106; 1955 c 13 § 32.04.020. Prior: 1915 c 175 § 49; RRS § 3378.]NOTES:Effective date—2010 c 88: See RCW 32.50.900.
WA Rev Code § 32.04.022 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.022 - "Mortgage" includes deed of trust.

RCW 32.04.022 "Mortgage" includes deed of trust.The word "mortgage" as used in this title includes deed of trust.[ 1969 c 55 § 13.]
WA Rev Code § 32.04.025 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.025 - Powers as to horizontal property regimes or condominiums.

RCW 32.04.025 Powers as to horizontal property regimes or condominiums.The words "real estate" and "real property" as used in this title shall include apartments or other portions, however designated, of horizontal property regimes, or a condominium interest in property, as may be created under any laws now in existence or hereafter enacted. A mutual savings bank may do any act necessary or appropriate in connection with its interest in or ownership of any portion of a horizontal property regime or condominium.[ 1963 c 176 § 10.]NOTES:Horizontal property regimes: Chapter 64.32 RCW.
WA Rev Code § 32.04.035 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.035 - Agency agreements—Written notice to director.

RCW 32.04.035 Agency agreements—Written notice to director.On or before the date on which a mutual savings bank enters into any agency agreement authorizing another entity, as agent of the mutual savings bank, to receive deposits or renew time deposits, the mutual savings bank shall give written notice to the director of the existence of the agency agreement. The notice is not effective until it has been delivered to the office of the director.[ 1996 c 2 § 22.]
WA Rev Code § 32.04.050 (2021)
2021 Revised Code of Washington|Title 32 - Washington Savings Bank Act|Chapter 32.04 - General Provisions.|32.04.050 - Reports.

RCW 32.04.050 Reports.A savings bank shall render to the director, in such form as he or she shall prescribe, at least three regular reports each year exhibiting its resources and liabilities as of such dates as the director shall designate, which shall be the dates designated by the comptroller of the currency of the United States for reports of national banking associations. Every such report, in a condensed form to be prescribed by the director, shall be published once in a newspaper of general circulation, published in the place where the bank is located. A savings bank shall also make such special reports as the director shall call for. A regular report shall be filed with the director within thirty days and proof of the publication thereof within forty days from the date of the issuance of the call for the report. A special report shall be filed within such time as the director shall indicate in the call therefor. A savings bank that fails to file within the prescribed time any report required by this section or proof of the publication of any report required to be published shall be subject to a penalty to the state of fifty dollars for each day's delay, recoverable by a civil action brought by the attorney general in the name of the state.[ 1994 c 92 § 296; 1977 ex.s. c 241 § 1; 1955 c 13 § 32.04.050. Prior: 1925 ex.s. c 86 § 13; 1915 c 175 § 39; RRS § 3368a.]