reglab/housing_qa huggingface dataset:
WA Rev Code § 19.138.903 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.138 - Sellers of Travel.|19.138.903 - Effective date—1994 c 237.

RCW 19.138.903 Effective date—1994 c 237.Sections 1 through 29 of this act shall take effect January 1, 1996.[ 1994 c 237 § 33.]
WA Rev Code § 19.138.904 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.138 - Sellers of Travel.|19.138.904 - Implementation—1994 c 237.

RCW 19.138.904 Implementation—1994 c 237.The director of licensing, beginning July 1, 1995, may take such steps as are necessary to ensure that this act is implemented on its *effective date[s].[ 1994 c 237 § 35.]NOTES:*Reviser's note: 1994 c 237 has different effective dates. The effective date for sections 1 through 29 is January 1, 1996, and the effective date for the remainder of the act is June 9, 1994.
WA Rev Code § 19.142.005 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.005 - Findings and declaration.

RCW 19.142.005 Findings and declaration.The legislature finds that there exist in connection with a substantial number of contracts for health studio services certain practices and business methods which have worked undue financial hardship upon some of the citizens of the state and that existing legal remedies are inadequate to correct existing problems in the industry. The legislature declares that it is a matter of public interest that the citizens of our state be assured reasonable protection when contracting for health studio services.[ 1987 c 317 § 1.]
WA Rev Code § 19.142.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.020 - Membership plans—Special offers—Misrepresentations prohibited.

RCW 19.142.020 Membership plans—Special offers—Misrepresentations prohibited.(1) Each health studio shall prepare and provide to each prospective buyer a written comprehensive list of all membership plans of health studio services offered for sale by the health studio. The list shall contain a description and the respective price of each membership plan of health studio services offered.(2) A health studio is prohibited from selling a membership plan of health studio services not included in the list.(3) A health studio is prohibited from making a special offer or offering a discount unless such special offer or discount is made in writing and available to all prospective members: PROVIDED, That a special offer or discount offered to groups need not be available to all similarly-situated prospective members.(4) A health studio is prohibited from making any misrepresentation to any prospective buyer or current member regarding qualifications of staff, availability or quality of facilities or services, or results obtained through exercise, body building, figure development, or weight loss programs, or the present or maximum number of customers who may contract to use the facilities or services.[ 1987 c 317 § 3.]
WA Rev Code § 19.142.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.030 - Written contract required.

RCW 19.142.030 Written contract required.A contract for the sale of health studio services shall be in writing. A copy of the contract, as well as the rules of the health studio if not stated in the contract, shall be given to the buyer when the buyer signs the contract.[ 1987 c 317 § 4.]
WA Rev Code § 19.142.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.050 - Notice of cancellation—Refund.

RCW 19.142.050 Notice of cancellation—Refund.After receipt of a written notice of cancellation, the health studio shall provide a refund to the buyer within thirty days. The health studio may require the buyer to return any membership card or other materials which evidence membership in the health studio. The buyer is entitled to a refund and relief from future obligations for payments of initiation or membership fees and use fees or dues as follows:(1) The buyer is entitled to a refund of the unused portion of any prepaid use fees or dues and relief from future obligations to pay use fees or dues concerning use after the date of cancellation.(2)(a) Subject to (b) of this subsection, if a contract includes a one-time only initiation or membership fee and the buyer cancels pursuant to RCW 19.142.040(7)(a), the buyer is entitled to a pro rata refund of the fee less a predetermined amount not to exceed one-half of the initial initiation or membership fee if the contract clearly states what percentage of the fee is nonrefundable or refundable.(b) If a contract includes a one-time only initiation or membership fee and the buyer cancels pursuant to RCW 19.142.040(7)(a) three years or more after the signing of the contract requiring payment of such fee, such fee is nonrefundable.(3) If a contract includes an initiation or membership fee and the buyer cancels pursuant to RCW 19.142.040(7) (b) or (c), the buyer is entitled to a pro rata refund of the fee less a predetermined amount not to exceed one-half of the initial initiation or membership fee unless the following clause is contained in the contract and signed separately by the buyer. The clause shall be placed under a conspicuous caption in capital letters and bold face type stating the following:NONREFUNDABLE AMOUNTI UNDERSTAND THAT I HAVE PAID OR AM OBLIGATED TO PAY  . . . . . . AS AN INITIATION OR MEMBERSHIP FEE, AND THAT UNDER NO CIRCUMSTANCES IS ANY PORTION OF THIS AMOUNT REFUNDABLE. . . . . (Buyer's Signature)(4) If a contract includes a one-time only initiation or membership fee and the buyer cancels pursuant to RCW 19.142.040(7)(d), the buyer is entitled to a pro rata refund of the fee.(5) If a contract includes a one-time only initiation or membership fee and the buyer cancels pursuant to RCW 19.142.040(7) (e) or (f), the buyer is entitled to a full refund of the fee.If a buyer is entitled to a pro rata refund under this section, the amount shall be computed by dividing the contract price by the number of weeks in the contract term and multiplying the result by the number of weeks remaining in the contract term. If no term is stated in the contract, a term of thirty-six months shall be used.[ 1990 c 55 § 3; 1987 c 317 § 6.]
WA Rev Code § 19.142.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.060 - Trust account—Written receipt—Record of deposits—Buyers' claims.

RCW 19.142.060 Trust account—Written receipt—Record of deposits—Buyers' claims.(1) All moneys paid to a health studio prior to the opening of the facility shall immediately be deposited in a trust account of a federally insured financial institution located in this state. The trust account shall be designated and maintained for the benefit of health studio members. Moneys maintained in the trust account shall be exempt from execution, attachment, or garnishment. A health studio shall not in any way encumber the corpus of the trust account or commingle any other operating funds with trust account funds. Withdrawals from the trust account shall be made no sooner than thirty days after the opening of the entire facility.(2) The health studio shall within seven days of the first deposit notify the office of the attorney general in writing, of the name, address, and location of the depository and any subsequent change thereof.(3) The health studio shall provide the buyer with a written receipt for the money and shall provide written notice of the name, address, and location of the depository and any subsequent change thereof.(4) The health studio shall maintain a record of each trust account deposit, including the name and address of each member whose funds are being deposited, the amount paid and the date of the deposit. Upon request of the attorney general's office, upon five days' notice, such records shall be produced for inspection.(5) If prior to the opening of the facility the status of the health studio is transferred to another, any sums in the trust account affected by the transfer shall simultaneously be transferred to an equivalent trust account of the successor, and the successor shall promptly notify the buyer and the office of the attorney general of the transfer and of the name, address, and location of the new depository.(6) The buyer's claim to any money under this section is prior to that of any creditor of the health studio, including a trustee in bankruptcy or receiver.(7) After the health studio receives a notice of cancellation of the contract, or if the health studio fails to open a facility at the stated date of completion and if the buyer so requests, then the health studio shall provide a refund within thirty days.[ 1987 c 317 § 7.]
WA Rev Code § 19.142.070 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.070 - Surety bond in lieu of trust account.

RCW 19.142.070 Surety bond in lieu of trust account.The requirements of RCW 19.142.060 do not apply to any health studios which, prior to any preopening sales, have provided a bond guaranteeing the completion or opening of any facility for which contracts for health studio services were sold prior to the opening of the facility. The bond shall be drawn upon a surety in the amount of one hundred fifty thousand dollars, running to the state of Washington. An action on the bond may be brought by the office of the attorney general or by any buyer of a contract for health studio services sold prior to the opening of the facility.[ 1987 c 317 § 8.]
WA Rev Code § 19.142.080 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.080 - Failure to comply with bond or trust account requirements—Class C felony.

RCW 19.142.080 Failure to comply with bond or trust account requirements—Class C felony.Failure to furnish a bond as required by RCW 19.142.070 or to maintain a trust account as required by RCW 19.142.060 shall constitute a class C felony punishable as provided in chapter 9A.20 RCW.[ 1987 c 317 § 9.]
WA Rev Code § 19.142.090 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.090 - Waivers of this chapter—Contracts not in compliance with this chapter—Void and unenforceable.

RCW 19.142.090 Waivers of this chapter—Contracts not in compliance with this chapter—Void and unenforceable.A health studio shall not request a buyer to waive any provision of this chapter. Any contract for health studio services which does not comply with the provisions of this chapter or in which a buyer waives any provision of this chapter is void and unenforceable as contrary to public policy.[ 1987 c 317 § 10.]
WA Rev Code § 19.142.100 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.100 - Violations—Application of consumer protection act.

RCW 19.142.100 Violations—Application of consumer protection act.A violation of this chapter constitutes an unfair or deceptive act or practice and is a per se violation of the consumer protection act, chapter 19.86 RCW.[ 1987 c 317 § 11.]
WA Rev Code § 19.142.110 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.110 - Attorneys' fees.

RCW 19.142.110 Attorneys' fees.Buyers who prevail in any cause of action under this chapter are entitled to reasonable attorneys' fees.[ 1987 c 317 § 12.]
WA Rev Code § 19.142.900 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.900 - Chapter cumulative and nonexclusive.

RCW 19.142.900 Chapter cumulative and nonexclusive.The provisions of this chapter are cumulative and nonexclusive and do not affect any other remedy available at law.[ 1987 c 317 § 13.]
WA Rev Code § 19.142.901 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.142 - Health Studio Services.|19.142.901 - Prospective application of chapter.

RCW 19.142.901 Prospective application of chapter.The provisions of this chapter shall not apply to any contracts for health studio services entered into before July 26, 1987.[ 1987 c 317 § 14.]
WA Rev Code § 19.144.005 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.005 - Findings—2008 c 108.

RCW 19.144.005 Findings—2008 c 108.The legislature finds that responsible mortgage lending and homeownership are important to the citizens of the state of Washington. The legislature declares that protecting our residents and our economy from the threat of widespread foreclosures and providing homeowners with access to residential mortgage loans on fair and equitable terms is in the public interest. The legislature further finds that chapter 108, Laws of 2008 is necessary to encourage responsible lending, protect borrowers, and preserve access to credit in the residential real estate lending market.[ 2008 c 108 § 1.]
WA Rev Code § 19.144.020 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.020 - Disclosure requirements—Department duties.

RCW 19.144.020 Disclosure requirements—Department duties.(1) In addition to any other requirements under federal or state law, a residential mortgage loan may not be made unless a disclosure summary of all material terms, as adopted by the department in subsection (2) of this section, is placed on a separate sheet of paper and has been provided by a financial institution to the borrower within three business days following receipt of a loan application. If any material terms of the residential mortgage loan change before closing, a new disclosure summary must be provided to the borrower within three days of any such change or at least three days before closing, whichever is earlier.(2) The department shall adopt, by rule, a disclosure summary form with a content and format containing simple, plain-language terms that are reasonably understandable to the average person without the aid of third-party resources and shall include, but not be limited to, the following items: Fees and discount points on the loan; interest rates of the loan; broker fees; the broker's yield spread premium as a dollar amount; whether the loan contains prepayment penalties; whether the loan contains a balloon payment; whether the property taxes and property insurance are escrowed; whether the loan payments will adjust at the fully indexed rates; and whether there is a price added or premium charged because the loan is based on reduced documentation.(3) The director may, at his or her discretion, require by rule other information relating to a residential mortgage loan to be included in the disclosure summary if the director determines that it is necessary to protect consumers. The director may adopt rules creating a standard form of disclosure summary to be used as a guide by financial institutions in fulfilling the requirements of this section.(4) Disclosure in compliance with the real estate settlement procedures act, 12 U.S.C. Sec. 2601, and Regulation X, 24 C.F.R. Sec. 3500, as it exists on June 7, 2012, shall be deemed to comply with the disclosure requirements of this section. If needed, the director may adopt rules to implement and incorporate other changes in the disclosure summary as necessary due to federal law.[ 2012 c 17 § 18; 2008 c 108 § 3.]
WA Rev Code § 19.144.030 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.030 - Interagency guidance on nontraditional mortgage product risks and the statement on subprime mortgage lending.

RCW 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 achieve the objectives set forth in the interagency guidance on nontraditional mortgage product risks and the statement on subprime mortgage lending.(b) The department shall adopt rules as required to implement this section.[ 2008 c 108 § 4.]
WA Rev Code § 19.144.040 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.040 - Prepayment penalty or fee—Limitation.

RCW 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 § 5.]
WA Rev Code § 19.144.050 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.050 - Negative amortization—Limitation.

RCW 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 § 6.]
WA Rev Code § 19.144.060 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.060 - Risk grade determination.

RCW 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 than the risk grade that the borrower would qualify for based on the licensee or other regulated person's then current underwriting guidelines, prudently applied, considering the information available to the licensee or other regulated person, including the information provided by the borrower. A licensee or other regulated person has not violated this requirement if the risk grade determination applied to a borrower is reasonably based on the licensee or other regulated person's underwriting guidelines for the borrower's appropriate risk grade category and the borrower is offered choices of residential mortgage loan products within the borrower's appropriate risk grade category.[ 2008 c 108 § 7.]
WA Rev Code § 19.144.070 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.070 - Rule-making authority.

RCW 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 § 8.]
WA Rev Code § 19.144.080 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.080 - Unlawful actions—Fraud, misrepresentation, deceptive practices.

RCW 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 engage in any unfair or deceptive practice toward any person related to the mortgage lending process; or (iii) obtain property by fraud or material misrepresentation during the mortgage lending process;(b) Knowingly make any misstatement, misrepresentation, or omission related to the mortgage lending process knowing that it may be relied on by a mortgage lender, borrower, or any other party related to the mortgage lending process;(c) Use or facilitate the use of any misstatement, misrepresentation, or omission, knowing the same to contain a misstatement, misrepresentation, or omission, related to the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party related to the mortgage lending process;(d) Receive any proceeds or anything of value in connection with a residential mortgage closing that such person knew resulted from a violation of subsection (1), (2), or (3) of this section [(a), (b), or (c) of this subsection];(e) File or cause to be filed with the county recorder or the official registrar of deeds of any county of this state any document such person knows to contain a material misstatement, misrepresentation, or omission;(f) Violate RCW 31.04.297(3); or(g) Knowingly alter, destroy, shred, mutilate, or conceal a record, document, or other object, or attempt to do so, with the intent to impair the investigation and prosecution of this crime.(2) Each crime prosecuted under this section shall be punished separately under chapter 9.94A RCW, unless it is the same criminal conduct as any other crime under RCW 9.94A.589.(3) Every person who, in the commission of mortgage fraud as described in this section, commits any other crime may be punished for that other crime in addition to mortgage fraud, and may be prosecuted for each crime separately.[ 2015 c 229 § 3; 2010 c 35 § 12; 2008 c 108 § 9.]NOTES:Effective date—2010 c 35: See RCW 31.04.904.
WA Rev Code § 19.144.090 (2021)
2021 Revised Code of Washington|Title 19 - Business Regulations—Miscellaneous|Chapter 19.144 - Mortgage Lending and Homeownership.|19.144.090 - Criminal penalties—Dates of limitation—Venue—Civil penalties and damages—Correction of public record.

RCW 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 after the violation, or (b) three years after the actual discovery of the violation, whichever date of limitation is later.(3) For purposes of venue under this chapter, any violation of RCW 19.144.080 and 31.04.297(3) , is considered to have been committed: (a) In the county in which the residential property for which a residential mortgage loan is being sought is located; (b) in any county in which any act was performed in furtherance of the violation; or (c) in any county in which a document containing a misstatement, misrepresentation, or omission of a material fact is filed with the county recorder or the official registrar of deeds.(4) Any person who violates this chapter is subject to civil forfeiture statutes.(5) Any person who violates RCW 19.144.080 or 31.04.297(3) is liable for civil damages of five thousand dollars or actual damages, whichever is greater, including costs to repair the victim's credit record and quiet title on the residential property that is involved in the prosecution, and reasonable attorneys' fees as determined by the court.(6) In a proceeding under RCW 19.144.080 in which there has been a conviction, the sentencing court may issue such orders as necessary to correct a public record that contains false information resulting from a violation of the referenced sections.[ 2015 c 229 § 4; 2008 c 108 § 10.]