reglab/housing_qa huggingface dataset:
WA Rev Code § 63.10.045 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.045 - Unlawful acts or practices—Consumer lease of a motor vehicle.

RCW 63.10.045 Unlawful acts or practices—Consumer lease of a motor vehicle.Each of the following acts or practices are unlawful in the context of offering a consumer lease of a motor vehicle:(1) Advertising that is false, deceptive, misleading, or in violation of *12 C.F.R. Sec. 213.5 (a) through (d) and 15 U.S.C. 1667, Regulation M;(2) Misrepresenting any of the following:(a) The material terms or conditions of a lease agreement;(b) That the transaction is a purchase agreement as opposed to a lease agreement; or(c) The amount of any equity or value the leased vehicle will have at the end of the lease; and(3) Failure to comply with the disclosure requirements of Title I of the federal consumer protection act (90 Stat. 257, 15 U.S.C. Sec. 1667 et seq.), which is also known as the federal consumer leasing act, including, but not limited to, failure to disclose all fees that will be due when a consumer exercises the option to purchase.[ 1995 c 112 § 3.]NOTES:*Reviser's note: 12 C.F.R. Sec. 213.5 (a) through (d) has been amended. See 12 C.F.R. Sec. 213.7 (a) through (f).
WA Rev Code § 63.10.050 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.050 - Violations—Unfair acts under consumer protection act—Damages.

RCW 63.10.050 Violations—Unfair acts under consumer protection act—Damages.The legislature finds that the practices covered by this chapter are matters vitally affecting the public interest for the purpose of applying the consumer protection act, chapter 19.86 RCW. Violations of this chapter are not reasonable in relation to the development and preservation of business. A violation of this chapter is an unfair or deceptive act or practice in trade or commerce and an unfair method of competition for the purpose of applying the consumer protection act, chapter 19.86 RCW.Regarding damages awarded under this section, the court may award damages allowed under chapter 19.86 RCW or 15 U.S.C. Sec. 1667d (a) and 15 U.S.C. Sec. 1640, but not both.[ 1995 c 112 § 4; 1983 c 158 § 5.]
WA Rev Code § 63.10.055 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.055 - Remedies—Effect of chapter.

RCW 63.10.055 Remedies—Effect of chapter.The provisions of this chapter shall be cumulative and nonexclusive and shall not affect any other remedy available at law or in equity.[ 1995 c 112 § 5.]
WA Rev Code § 63.10.060 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.060 - Defense or action of usury—Limitations.

RCW 63.10.060 Defense or action of usury—Limitations.No person may plead the defense of usury or maintain any action thereon based upon a transaction heretofore entered into if such transaction:(1) Constitutes a "consumer lease" as defined in RCW 63.10.020; or(2) Would constitute such a consumer lease but for the fact that:(i) The lessee was not a natural person;(ii) The lease was not primarily for personal, family, or household purposes; or(iii) The total contractual obligation exceeded twenty-five thousand dollars.[ 1983 c 158 § 8.]
WA Rev Code § 63.10.070 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.070 - Dog or cat ownership contracts.

RCW 63.10.070 Dog or cat ownership contracts.A contract entered into on or after July 28, 2019, to transfer ownership of a live dog or cat in which ownership is contingent upon the making of payments over a period of time subsequent to the transfer of possession of the live dog or cat, or provides for or offers the option of transferring ownership of the dog or cat at the end of a lease term, is void and unenforceable.[ 2019 c 340 § 1.]NOTES:Construction—2019 c 340: "Nothing in this act may be construed to apply to contracts for payments to repay an unsecured loan for the purchase of a live dog or cat." [ 2019 c 340 § 6.]Additional remedies—Dog or cat ownership contracts—2019 c 340: "In addition to any other remedies provided by law, the consumer taking possession of a live dog or cat that is transferred under a contract declared to be void and unenforceable under section 1, 2, or 3 of this act is deemed the owner of the dog or cat and is also entitled to the return of all amounts the consumer paid under the contract." [ 2019 c 340 § 5.]
WA Rev Code § 63.10.902 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.10 - Consumer Leases.|63.10.902 - Effective date—1995 c 112.

RCW 63.10.902 Effective date—1995 c 112.This act shall take effect January 1, 1996.[ 1995 c 112 § 7.]
WA Rev Code § 63.14.020 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.020 - Retail installment contracts—Number of documents—Promissory notes—Date—Signatures—Completion—Type size.

RCW 63.14.020 Retail installment contracts—Number of documents—Promissory notes—Date—Signatures—Completion—Type size.Every retail installment contract shall be contained in a single document which shall contain the entire agreement of the parties including any promissory notes or other evidences of indebtedness between the parties relating to the transaction, except as provided in RCW 63.14.050, 63.14.060 and 63.14.110: PROVIDED, That where the buyer's obligation to pay the time balance is represented by a promissory note secured by a chattel mortgage, the promissory note may be a separate instrument if the mortgage recites the amount and terms of payment of such note and the promissory note recites that it is secured by a mortgage: PROVIDED FURTHER, That any such promissory note or other evidence of indebtedness executed by the buyer shall not, when assigned or negotiated, cut off as to third parties any right of action or defense which the buyer may have against the seller, and each such promissory note or other evidence of indebtedness shall contain a statement to that effect: AND PROVIDED FURTHER, That in a transaction involving the repair, alteration or improvement upon or in connection with real property, the contract may be secured by a mortgage on the real property contained in a separate document. Home improvement retail sales transactions which are financed or insured by the Federal Housing Administration are not subject to this chapter.The contract shall be dated, signed by the retail buyer and completed as to all essential provisions, except as otherwise provided in RCW 63.14.060 and 63.14.070. The printed or typed portion of the contract, other than instructions for completion, shall be in a size equal to at least eight point type.[ 1967 c 234 § 1; 1963 c 236 § 2.]
WA Rev Code § 63.14.030 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.030 - Retail installment contracts—Delivery to buyer of copy—Acknowledgment of delivery.

RCW 63.14.030 Retail installment contracts—Delivery to buyer of copy—Acknowledgment of delivery.The retail seller shall deliver to the retail buyer, at the time the buyer signs the contract, a copy of the contract as signed by the buyer, unless the contract is completed by the buyer in situations covered by RCW 63.14.060, and if the contract is accepted at a later date by the seller, the seller shall mail to the buyer at his or her address shown on the retail installment contract a copy of the contract as accepted by the seller or a copy of the memorandum as required in RCW 63.14.060. Until the seller does so, the buyer shall be obligated to pay only the sale price. Any acknowledgment by the buyer of delivery of a copy of the contract shall be in a size equal to at least ten point bold type and, if contained in the contract, shall appear directly above the buyer's signature.[ 2012 c 117 § 166; 1981 c 77 § 2; 1967 c 234 § 2; 1963 c 236 § 3.]NOTES:Application, saving—1981 c 77: See RCW 63.14.903.
WA Rev Code § 63.14.043 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.043 - Retail installment contracts—Purchase of motor vehicle—Secondary products.

RCW 63.14.043 Retail installment contracts—Purchase of motor vehicle—Secondary products.(1) If a retail installment contract for the purchase of a motor vehicle meets the requirements of this chapter and meets the requirements of any federal law applicable to a retail installment contract for the purchase of a motor vehicle, the retail installment contract shall be accepted for consideration by any lender, except for lenders licensed and regulated under the provisions of chapter 31.04 RCW, to whom application for credit relating to the retail installment contract is made.(2) If a retail installment contract for the purchase of a motor vehicle includes the purchase of a secondary product, a lender who shares common control with a brand owner may not directly or indirectly require, as a condition of acceptance of assignment of the retail installment contract, that the buyer purchase a secondary product from a particular provider, administrator, or insurer. A violation of this subsection is deemed to affect the public interest and constitutes an unlawful and unfair practice under chapter 19.86 RCW.(3) For the purposes of this section, "secondary product," "common control," and "brand owner" have the same meanings as provided in RCW 46.96.196.[ 2020 c 174 § 2; 2006 c 288 § 1.]
WA Rev Code § 63.14.050 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.050 - Retail installment contracts—Multiple documents permissible where original applies to purchases from time to time.

RCW 63.14.050 Retail installment contracts—Multiple documents permissible where original applies to purchases from time to time.A retail installment contract may be contained in more than one document, provided that one such document shall be an original document signed by the retail buyer, stated to be applicable to purchases of goods or services to be made by the retail buyer from time to time. In such case such document, together with the sales slip, account book or other written statement relating to each purchase, shall set forth all of the information required by RCW 63.14.040 and shall constitute the retail installment contract for each purchase. On each succeeding purchase pursuant to such original document, the sales slip, account book or other written statement may at the option of the seller constitute the memorandum required by RCW 63.14.110.[ 1963 c 236 § 5.]
WA Rev Code § 63.14.060 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.060 - Retail installment contracts—Mail orders based on catalog or other printed solicitation.

RCW 63.14.060 Retail installment contracts—Mail orders based on catalog or other printed solicitation.Retail installment contracts negotiated and entered into by mail or telephone without solicitation in person by salespersons or other representatives of the seller and based upon a catalog of the seller, or other printed solicitation of business, if such catalog or other printed solicitation clearly sets forth the cash sale prices and other terms of sales to be made through such medium, may be made as provided in this section. The provisions of this chapter with respect to retail installment contracts shall be applicable to such sales, except that the retail installment contract, when completed by the buyer need not contain the items required by RCW 63.14.040.When the contract is received from the retail buyer, the seller shall prepare a written memorandum containing all of the information required by RCW 63.14.040 to be included in a retail installment contract. In lieu of delivering a copy of the contract to the retail buyer as provided in RCW 63.14.030, the seller shall deliver to the buyer a copy of such memorandum prior to the due date of the first installment payable under the contract: PROVIDED, That if the catalog or other printed solicitation does not set forth all of the other terms of sales in addition to the cash sales prices, such memorandum shall be delivered to the buyer prior to or at the time of delivery of the goods or services.[ 2012 c 117 § 168; 1967 c 234 § 4; 1963 c 236 § 6.]
WA Rev Code § 63.14.070 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.070 - Retail installment contracts—Seller not to obtain buyer's signature when essential blank spaces not filled—Exceptions.

RCW 63.14.070 Retail installment contracts—Seller not to obtain buyer's signature when essential blank spaces not filled—Exceptions.The seller shall not obtain the signature of the buyer to any contract when it contains blank spaces of items which are essential provisions of the transaction except as provided in RCW 63.14.060: PROVIDED, HOWEVER, That if delivery of the goods is not made at the time of the execution of the contract, the identifying numbers or marks of the goods or similar information and the due date of the first installment may be inserted by the seller in the seller's counterpart of the contract after it has been signed by the buyer.[ 1963 c 236 § 7.]
WA Rev Code § 63.14.080 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.080 - Retail installment contracts—Prepayment in full of unpaid time balance—Refund of unearned service charge—"Rule of seventy-eighths."

RCW 63.14.080 Retail installment contracts—Prepayment in full of unpaid time balance—Refund of unearned service charge—"Rule of seventy-eighths."For the purpose of this section, "periodic time balance" means the unpaid portion of the time balance as of the last day of each month, or other uniform time interval established by the regular consecutive payment period scheduled in a retail installment contract.Notwithstanding the provisions of any retail installment contract to the contrary, and if the rights of the purchaser have not been terminated or forfeited under the terms of the contract, any buyer may prepay in full the unpaid portion of the time balance thereof at any time before its final due date and, if he or she does so, he or she shall receive a refund credit of the unearned portion of the service charge for such prepayment. The amount of such refund credit shall be computed according to the "rule of seventy-eighths," that is it shall represent at least as great a portion of the original service charge, as the sum of the periodic time balances not yet due bears to the sum of all the periodic time balances under the schedule of payments in the contract: PROVIDED, That where the earned service charge (total service charge minus refund credit) thus computed is less than the following minimum service charge: Fifteen dollars where the principal balance is not in excess of two hundred and fifty dollars, twenty-five dollars where the principal balance exceeds two hundred and fifty dollars but is not in excess of five hundred dollars, thirty-seven dollars and fifty cents where the principal balance exceeds five hundred dollars but is not in excess of one thousand dollars, and fifty dollars where the principal balance exceeds one thousand dollars; then such minimum service charge shall be deemed to be the earned service charge: AND PROVIDED FURTHER, That where the amount of such refund credit is less than one dollar, no refund credit need be made.[ 2012 c 117 § 169; 1967 c 234 § 5; 1963 c 236 § 8.]
WA Rev Code § 63.14.090 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.090 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Delinquency or collection charges—Attorney's fees, court costs—Other provisions not inconsistent with chapter are permissible.

RCW 63.14.090 Retail installment contracts, retail charge agreements, and lender credit card agreements—Delinquency or collection charges—Attorney's fees, court costs—Other provisions not inconsistent with chapter are permissible.(1) The holder of any retail installment contract, retail charge agreement, or lender credit card agreement may not collect any delinquency or collection charges, including any attorney's fee and court costs and disbursements, unless the contract, charge agreement, or lender credit card agreement so provides. In such cases, the charges shall be reasonable, and no attorney's fee may be recovered unless the contract, charge agreement, or lender credit card agreement is referred for collection to an attorney not a salaried employee of the holder.(2) The contract, charge agreement, or lender credit card agreement may contain other provisions not inconsistent with the purposes of this chapter, including but not limited to provisions relating to refinancing, transfer of the buyer's equity, construction permits, and title reports.(3) Notwithstanding subsection (1) of this section, where the minimum payment is received within the ten days following the payment due date, delinquency charges for the late payment of a retail charge agreement or lender credit card agreement may not be more than ten percent of the average balance of the delinquent account for the prior thirty-day period when the average balance of the account for the prior thirty-day period is less than one hundred dollars, except that a minimum charge of up to two dollars shall be allowed. This subsection (3) shall not apply in cases where the payment on the account is more than thirty days overdue.[ 1993 c 481 § 1; 1984 c 280 § 2; 1963 c 236 § 9.]
WA Rev Code § 63.14.100 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.100 - Receipt for cash payment—Retail installment contracts, statement of payment schedule and total amount unpaid.

RCW 63.14.100 Receipt for cash payment—Retail installment contracts, statement of payment schedule and total amount unpaid.A buyer shall be given a written receipt for any payment when made in cash. Upon written request of the buyer, the holder of a retail installment contract shall give or forward to the buyer a written statement of the dates and amounts of payments and the total amount unpaid under the contract. Such a statement shall be given the buyer once without charge; if any additional statement is requested by the buyer, it shall be supplied by the holder at a charge not in excess of one dollar for each additional statement so supplied.[ 1963 c 236 § 10.]
WA Rev Code § 63.14.123 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.123 - Restrictions on electronically printed credit and debit card receipts.

RCW 63.14.123 Restrictions on electronically printed credit and debit card receipts.(1) A retailer shall not print more than the last five digits of the card account number or print the card expiration date on a credit or debit card receipt. This includes all receipts kept by the person or provided to the cardholder.(2) This section shall apply only to receipts that are electronically printed and shall not apply to transactions in which the:(a) Sole means of recording the card number is by handwriting or by an imprint or copy of the credit or debit card; or(b) Retailer processes the transaction electronically but also takes additional manual measures for the purpose of ensuring that the card is not being used fraudulently, including measures the retailer is contractually obligated to take in connection with its acceptance of credit or debit cards.(3) For the purposes of this section:(a) "Credit card" means a card or device existing for the purpose of obtaining money, property, labor, or services on credit.(b) "Debit card" means a card or device used to obtain money, property, labor, or services by a transaction that debits a cardholder's account, rather than extending credit.[ 2009 c 382 § 2; 2000 c 163 § 2.]NOTES:Effective date—2000 c 163: See RCW 19.200.901.
WA Rev Code § 63.14.125 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.125 - Lender credit card agreements—Security interests prohibited.

RCW 63.14.125 Lender credit card agreements—Security interests prohibited.A lender credit card agreement may not contain any provision for a security interest in real or personal property or fixtures of the buyer to secure payment of performance of the buyer's obligation under the lender credit card agreement.[ 1984 c 280 § 4.]
WA Rev Code § 63.14.127 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.127 - Retail installment contracts—Dog or cat as security interest.

RCW 63.14.127 Retail installment contracts—Dog or cat as security interest.A retail installment contract entered into on or after July 28, 2019, that includes a live dog or cat as a security interest for the contract is void and unenforceable.[ 2019 c 340 § 2.]NOTES:Construction—Additional remedies—Dog or cat ownership contracts—2019 c 340: See notes following RCW 63.10.070.
WA Rev Code § 63.14.130 (2021)
2021 Revised Code of Washington|Title 63 - Personal Property|Chapter 63.14 - Retail Installment Sales of Goods and Services.|63.14.130 - Retail installment contracts, retail charge agreements, and lender credit card agreements—Service charge agreed to by contract—Other fees and charges prohibited.

RCW 63.14.130 Retail installment contracts, retail charge agreements, and lender credit card agreements—Service charge agreed to by contract—Other fees and charges prohibited.The service charge shall be inclusive of all charges incident to investigating and making the retail installment contract or charge agreement and for the privilege of making the installment payments thereunder and no other fee, expense or charge whatsoever shall be taken, received, reserved, or contracted therefor from the buyer, except for any vehicle dealer administrative fee under RCW 46.68.440(1) or for any vehicle dealer documentary service fee under RCW 46.70.180(2).(1) The service charge, in a retail installment contract, shall not exceed the dollar amount or rate agreed to by contract and disclosed under RCW 63.14.040(1)(h).(2) The service charge in a retail charge agreement, revolving charge agreement, lender credit card agreement, or charge agreement, shall not exceed the schedule or rate agreed to by contract and disclosed under RCW 63.14.120(1). If the service charge so computed is less than one dollar for any month, then one dollar may be charged.[ 2010 c 161 § 1153; 2003 c 368 § 3; 1999 c 113 § 4; 1997 c 331 § 7; 1992 c 193 § 1. Prior: 1989 c 112 § 1; 1989 c 14 § 5; 1987 c 318 § 1; 1984 c 280 § 5; 1981 c 77 § 5; 1969 c 2 § 3 (Initiative Measure No. 245, approved November 5, 1968); 1967 c 234 § 8; 1963 c 236 § 13.]NOTES:Effective date—Intent—Legislation to reconcile chapter 161, Laws of 2010 and other amendments made during the 2010 legislative session—2010 c 161: See notes following RCW 46.04.013.Effective date—1997 c 331: See note following RCW 70.168.135.Effective date—1987 c 318: "This act shall take effect January 1, 1988." [ 1987 c 318 § 2.]Application, saving—1981 c 77: See RCW 63.14.903.