reglab/housing_qa huggingface dataset:
WA Rev Code § 63.14.136 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.136 - Retail installment transaction—Unconscionable—Judicial action.

RCW 63.14.136 Retail installment transaction—Unconscionable—Judicial action.(1) With respect to a retail installment transaction, as defined in *RCW 63.14.010(8), if the court as a matter of law finds the agreement or contract, or any clause in the agreement or contract, to have been unconscionable at the time it was made, the court may refuse to enforce the agreement or contract, may enforce the remainder of the agreement or contract, or may limit the application of any unconscionable clause to avoid an unconscionable result.(2) If it is claimed or it appears to the court that the agreement or contract, or any clause in the agreement or contract, may be unconscionable, the parties shall be given a reasonable opportunity to present evidence as to its setting, purpose, and effect to assist the court in making a determination regarding unconscionability.(3) For the purpose of this section, a charge or practice expressly permitted by this chapter is not in itself unconscionable.[ 1995 c 249 § 4.]NOTES:*Reviser's note: RCW 63.14.010 was alphabetized pursuant to RCW 1.08.015(2)(k), changing subsection (8) to subsection (12).
WA Rev Code § 63.14.140 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.140 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Insurance.

RCW 63.14.140 Retail installment contracts, retail charge agreements, and lender credit card agreements—Insurance.If the cost of any insurance is included in the retail installment contract, retail charge agreement, or lender credit card agreement:(1) The contract or agreement shall state the nature, purpose, term, and amount of such insurance, and in connection with the sale of a motor vehicle, the contract shall state that the insurance coverage ordered under the terms of this contract does not include "bodily injury liability," "public liability," and "property damage liability" coverage, where such coverage is in fact not included;(2) The contract or agreement shall state whether the insurance is to be procured by the buyer or the seller;(3) The amount, included for such insurance, shall not exceed the premiums chargeable in accordance with the rate fixed for such insurance by the insurer, except where the amount is less than one dollar;(4) If the insurance is to be procured by the seller or holder, he or she shall, within forty-five days after delivery of the goods or furnishing of the services under the contract, deliver, mail, or cause to be mailed to the buyer, at his or her address as specified in the contract, a notice thereof or a copy of the policy or policies of insurance or a certificate or certificates of the insurance so procured.[ 2012 c 117 § 171; 1984 c 280 § 6; 1963 c 236 § 14.]
WA Rev Code § 63.14.145 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.145 - Retail installment contracts and charge agreements—Sale, transfer, or assignment.

RCW 63.14.145 Retail installment contracts and charge agreements—Sale, transfer, or assignment.(1) A retail seller may sell, transfer, or assign a retail installment contract or charge agreement. After such sale, transfer, or assignment, the retail installment contract or charge agreement remains a retail installment contract or charge agreement.(2) Nothing contained in this chapter shall be deemed to limit any charge made by an assignee of a retail installment contract or charge agreement to the seller-assignor upon the sale, transfer, assignment, or discount of the contract or agreement, notwithstanding retention by the assignee of recourse rights against the seller-assignor and notwithstanding duties retained by the seller-assignor to service delinquencies, perform service or warranty agreements regarding the property which is the subject matter of the assigned or discounted contracts or charge agreements, or to do or perform any other duty with respect to the contract or agreement assigned or the subject matter of such contract or agreement.[ 1993 sp.s. c 5 § 2.]
WA Rev Code § 63.14.150 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.150 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Agreements by buyer not to assert claim or defense or to submit to suit in another county invalid.

RCW 63.14.150 Retail installment contracts, retail charge agreements, and lender credit card agreements—Agreements by buyer not to assert claim or defense or to submit to suit in another county invalid.No provision of a retail installment contract, retail charge agreement, or lender credit card agreement is valid by which the buyer agrees not to assert against the seller or against an assignee a claim or defense arising out of the sale, or by which the buyer agrees to submit to suit in a county other than the county where the buyer signed the contract or where the buyer resides or has his or her principal place of business.[ 2012 c 117 § 172; 1984 c 280 § 7; 1967 c 234 § 9; 1963 c 236 § 15.]
WA Rev Code § 63.14.151 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.151 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Compliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW.

RCW 63.14.151 Retail installment contracts, retail charge agreements, and lender credit card agreements—Compliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW.Any retail installment contract, retail charge agreement, or lender credit card agreement that complies with the disclosure requirements of Title I of the federal consumer protection act (82 Stat. 146, 15 U.S.C. 1601) which is also known as the truth in lending act, as of the date upon which said retail installment contract, revolving charge agreement, or lender credit card agreement is executed, shall be deemed to comply with the disclosure provisions of chapter 63.14 RCW.[ 1984 c 280 § 8; 1981 c 77 § 9.]NOTES:Application, saving—1981 c 77: See RCW 63.14.903.
WA Rev Code § 63.14.152 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.152 - Declaratory judgment action to establish if service charge is excessive.

RCW 63.14.152 Declaratory judgment action to establish if service charge is excessive.The seller, holder, or buyer may bring an action for declaratory judgment to establish whether service charges contracted for or received in connection with a retail installment transaction are in excess of those allowed by chapter 234, Laws of 1967. Such an action shall be brought against the current holder or against the buyer or his or her successor in interest or, if the entire principal balance has been fully paid, by the buyer or his or her successor in interest against the holder to whom the final payment was made. No such action shall be commenced after six months following the date the final payment becomes due, whether by acceleration or otherwise, nor after six months following the date the principal balance is fully paid, whichever first occurs. If the buyer commences such an action and fails to establish that the service charge is in excess of that allowed by RCW 63.14.130, and if the court finds the action was frivolously commenced, the defendant or defendants may, in the court's discretion, recover reasonable attorneys' fees and costs from the buyer.[ 2012 c 117 § 173; 1967 c 234 § 11.]
WA Rev Code § 63.14.154 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.154 - Cancellation of transaction by buyer—Procedure.

RCW 63.14.154 Cancellation of transaction by buyer—Procedure.(1) In addition to any other rights he or she may have, the buyer shall have the right to cancel a retail installment transaction for other than the seller's breach by sending notice of such cancellation to the seller at his or her place of business as set forth in the contract or charge agreement by certified mail, return receipt requested, which shall be posted not later than midnight of the third day (excluding Sundays and holidays) following the date the buyer signs the contract or charge agreement:(a) If the retail installment transaction was entered into by the buyer and solicited in person or by a commercial telephone solicitation as defined by chapter 20, Laws of 1989 by the seller or his or her representative at a place other than the seller's address, which may be his or her main or branch office, shown on the contract; and(b) If the buyer returns goods received or makes them available to the seller as provided in subsection (2)(b) of this section.(2) In the event of cancellation pursuant to this section:(a) The seller shall, without request, refund to the buyer within ten days after such cancellation all deposits, including any down payment, made under the contract or charge agreement and shall return all goods traded in to the seller on account or in contemplation of the contract less any reasonable costs actually incurred in making ready for sale the goods so traded in;(b) The seller shall be entitled to reclaim and the buyer shall return or make available to the seller at the place of delivery in its original condition any goods received by the buyer under the contract or charge agreement;(c) The buyer shall incur no additional liability for such cancellation.(3) This section does not apply to a retail installment transaction for the purchase of a motor vehicle. If a retail installment sale contract is used for the sale of a vehicle by a motor vehicle dealer at a place other than the dealer's address, the dealer must disclose to the purchaser or lessee in writing that there is no right to cancel the contract under RCW 63.14.154.[ 2021 c 201 § 3; 2012 c 117 § 174. Prior: 1989 c 20 § 18; 1989 c 14 § 8; 1972 ex.s. c 47 § 4; 1967 c 234 § 12.]NOTES:Effective date—1989 c 20: See RCW 19.158.901.
WA Rev Code § 63.14.156 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.156 - Extension or deferment of payments—Agreement, charges.

RCW 63.14.156 Extension or deferment of payments—Agreement, charges.The holder of a retail installment contract may, upon agreement with the buyer, extend the scheduled due date or defer a scheduled payment of all or of any part of any installment or installments payable thereunder. No charge shall be made for any such extension or deferment unless a written acknowledgment of such extension or deferment is sent or delivered to the buyer. The holder may charge and contract for the payment of an extension or deferral charge by the buyer and collect and receive the same, but such charge may not exceed those permitted by *RCW 63.14.130 (a), (b), or (c) on the amount of the installment or installments, or part thereof, extended or deferred for the period of extension or deferral. Such period shall not exceed the period from the date when such extended or deferred installment or installments, or part thereof, would have been payable in the absence of such extension or deferral, to the date when such installment or installments, or part thereof, are made payable under the agreement of extension or deferment; except that a minimum charge of one dollar for the period of extension or deferral may be made in any case where the extension or deferral charge, when computed at such rate, amounts to less than one dollar. Such agreement may also provide for the payment by the buyer of the additional cost to the holder of the contract of premiums for continuing in force, until the end of such period of extension or deferral, any insurance coverages provided for in the contract, subject to the provisions of RCW 63.14.140.[ 1967 c 234 § 13.]NOTES:*Reviser's note: The reference to RCW 63.14.130 (a), (b), or (c) is erroneous. RCW 63.14.130(1) (a) or (b) is apparently intended. Subsequently, RCW 63.14.130 was amended by 1992 c 193 § 2, changing the subsection numbering.
WA Rev Code § 63.14.158 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.158 - Refinancing agreements—Costs—Contents.

RCW 63.14.158 Refinancing agreements—Costs—Contents.The holder of a retail installment contract or contracts may, upon agreement in writing with the buyer, refinance the payment of the unpaid time balance or balances of the contract or contracts by providing for a new schedule of installment payments.The holder may charge and contract for the payment of a refinance charge by the buyer and collect and receive the same but such refinance charge (1) shall be based upon the amount refinanced, plus any additional cost of insurance and of official fees incident to such refinancing, after the deduction of a refund credit in an amount equal to that to which the buyer would have been entitled under RCW 63.14.080 if he or she had prepaid in full his or her obligations under the contract or contracts, but in computing such refund credit there shall not be allowed the minimum earned service charge as authorized by subsection (1)(d) of such section, and (2) may not exceed the rate of service charge provided under RCW 63.14.130. Such agreement for refinancing may also provide for the payment by the buyer of the additional cost to the holder of the contract or contracts of premiums for continuing in force, until the maturity of the contract or contracts as refinanced, any insurance coverages provided for therein, subject to the provisions of RCW 63.14.140.The refinancing agreement shall set forth the amount of the unpaid time balance or balances to be refinanced, the amount of any refund credit, the amount to be refinanced after the deduction of the refund credit, the amount or rate of the service charge under the refinancing agreement, any additional cost of insurance and of official fees to the buyer, the new unpaid time balance, if the service charge is stated as a dollar amount, and the new schedule of installment payments. Where there is a consolidation of two or more contracts, then the provisions of RCW 63.14.110 shall apply.[ 2012 c 117 § 175; 1967 c 234 § 14.]NOTES:Minimum earned service charges: RCW 63.14.080.
WA Rev Code § 63.14.159 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.159 - New payment schedule—When authorized.

RCW 63.14.159 New payment schedule—When authorized.In the event a contract provides for the payment of any installment which is more than double the amount of the average of the preceding installments the buyer upon default of this installment, shall be given an absolute right to obtain a new payment schedule. Unless agreed to by the buyer, the periodic payments under the new schedule shall not be substantially greater than the average of the preceding installments. This section shall not apply if the payment schedule is adjusted to the seasonal or irregular income of the buyer or to accommodate the nature of the buyer's employment.[ 1967 c 234 § 15.]
WA Rev Code § 63.14.160 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.160 - Conduct or agreement of buyer does not waive remedies.

RCW 63.14.160 Conduct or agreement of buyer does not waive remedies.No act or agreement of the retail buyer before or at the time of the making of a retail installment contract, retail charge agreement, lender credit card agreement, or purchases thereunder shall constitute a valid waiver of any of the provisions of this chapter or of any remedies granted to the buyer by law.[ 1984 c 280 § 9; 1963 c 236 § 16.]
WA Rev Code § 63.14.165 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.165 - Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW.

RCW 63.14.165 Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW.A financial institution credit card is a card or device issued under an arrangement pursuant to which the issuing financial institution gives to a cardholder residing in this state the privilege of obtaining credit from the issuer or other persons in purchasing or leasing property or services, obtaining loans, or otherwise, and the issuer of which is not principally engaged in the business of selling goods.Except as provided in RCW 63.14.167, a financial institution credit card agreement and credit extended pursuant to it is not subject to the provisions of this chapter but shall be subject to the provisions of chapter 19.52 RCW.[ 1984 c 280 § 10; 1981 c 77 § 10.]NOTES:Application, saving—1981 c 77: See RCW 63.14.903.
WA Rev Code § 63.14.167 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.167 - Lender credit card agreements and financial institution credit card agreements—Credit to account for returned goods or forgiveness of a debit for services—Statement of credit to card issuer—Notice to cardholder.

RCW 63.14.167 Lender credit card agreements and financial institution credit card agreements—Credit to account for returned goods or forgiveness of a debit for services—Statement of credit to card issuer—Notice to cardholder.(1) Pursuant to a lender credit card or financial institution credit card transaction in which a credit card has been used to obtain credit, the seller is a person other than the card issuer, and the seller accepts or allows a return of goods or forgiveness of a debit for services that were the subject of the sale, credit shall be applied to the obligor's account as provided by this section.(2) Within seven working days after a transaction in which an obligor becomes entitled to credit, the seller shall transmit a statement to the card issuer through the normal channels established by the card issuer for the transmittal of such statements. The credit card issuer shall credit the obligor's account within three working days following receipt of a credit statement from the seller.(3) The obligor is not responsible for payment of any service charges resulting from the seller's or card issuer's failure to comply with subsection (2) of this section.(4) An issuer issuing a lender credit card or financial institution credit card shall mail or deliver a notice of the provisions of this section at least once per calendar year, at intervals of not less than six months nor more than eighteen months, either to all cardholders or to each cardholder entitled to receive a periodic statement for any one billing cycle. The notice shall state that the obligor is not responsible for payment of any service charges resulting from the seller's or card issuer's failure to comply with subsection (2) of this section.[ 1989 c 11 § 24; 1984 c 280 § 11.]NOTES:Severability—1989 c 11: See note following RCW 9A.56.220.
WA Rev Code § 63.14.170 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.170 - Violations—Penalties.

RCW 63.14.170 Violations—Penalties.Any person who shall wilfully and intentionally violate any provision of this chapter shall be guilty of a misdemeanor and upon conviction thereof shall be punished by a fine of not more than one thousand dollars or by imprisonment for not more than six months, or both. Violation of any order or injunction issued pursuant to this chapter shall constitute prima facie proof of a violation of this section.[ 1963 c 236 § 17.]
WA Rev Code § 63.14.175 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.175 - Violations—Remedies.

RCW 63.14.175 Violations—Remedies.No person may pursue any remedy alleging a violation of this chapter on the basis of any act or omission that does not constitute a violation of this chapter as amended by chapter 5, Laws of 1993 sp. sess. For purposes of this section, the phrase "pursue any remedy" includes pleading a defense, asserting a counterclaim or right of offset or recoupment, commencing, maintaining, or continuing any legal action, or pursuing or defending any appeal.[ 1993 sp.s. c 5 § 3.]
WA Rev Code § 63.14.180 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.180 - Noncomplying person barred from recovery of service charge, etc.—Remedy of buyer—Extent of recovery.

RCW 63.14.180 Noncomplying person barred from recovery of service charge, etc.—Remedy of buyer—Extent of recovery.Any person who enters into a retail installment contract, charge agreement, or lender credit card agreement that does not comply with the provisions of this chapter or who violates any provision of this chapter except as a result of an accidental or bona fide error shall be barred from the recovery of any service charge, official fees, or any delinquency or collection charge under or in connection with the related retail installment contract or purchases under a retail charge agreement or lender credit card agreement; but such person may nevertheless recover from the buyer an amount equal to the cash price of the goods or services and the cost to such person of any insurance included in the transaction: PROVIDED, That if the service charge is in excess of that allowed by RCW 63.14.130, except as the result of an accidental or bona fide error, the buyer shall be entitled to an amount equal to the total of (1) twice the amount of the service charge paid, and (2) the amount of the service charge contracted for and not paid, plus (3) costs and reasonable attorneys' fees. The reduction in the cash price by the application of the above sentence shall be applied to diminish pro rata each future installment of principal amount payable under the terms of the contract or agreement.[ 1984 c 280 § 12; 1967 c 234 § 10; 1963 c 236 § 18.]
WA Rev Code § 63.14.190 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.190 - Restraint of violations.

RCW 63.14.190 Restraint of violations.The attorney general or the prosecuting attorney may bring an action in the name of the state against any person to restrain and prevent any violation of this chapter.[ 1963 c 236 § 19.]